Direct Auto: Overview

Who owns Direct Auto insurance?

Direct Auto Insurance is part of the Direct General Insurance Company.

Does Direct Auto offer SR22/FR44?

Direct Auto Insurance welcomes all drivers to apply for coverage, no matter their insurance history or coverage needs. If you need help understanding or filling an SR22 OR FR44, fill out a form here and we’ll connect with you an agent who offers the most affordable rates.

What does Direct Auto cover with roadside assistance?

• 24-Hour Emergency Towing
• Gas & Essential Fluid Delivery
• Lockout Service
• Jump Starts for Dead Batteries
• Mechanical Help
• Concierge Benefits

How does Direct Auto payout claims?

If you need to make a claim, you should report it as soon as possible by calling 1-877-463-4732 to speak with a representative. The Direct Auto team will complete an investigation of your claim, evaluate the damages and answer any questions you may have. With your claim number in hands, you can check the status of your claim.

Can I choose my own repair shop with Direct Auto?

Yes, Direct Auto gives you the opportunity to choose your own repair shop or you can choose one from the Direct Repair Group.

Does Direct Auto have good customer service?

Direct Auto had more than the median number of auto insurance complaints to state regulators in 2018 relative to its size, but fewer than the median number of life insurance complaints, according to the National Association of Insurance Commissioners. You can contact their customer service team calling at 1-800-403-1077, from Monday to Friday, from 8:00 am to 5:00 pm (EST).

How can I cancel Direct Auto insurance?

To cancel Direct Auto insurance, you have the following options : You can go to a local store and sign a cancellation request, or handwrite a statement (the handwritten statement should include the policy number, full name, address, date of birth, the date you need the policy canceled, and the policyholder’s signature). You can fax this statement to 877-622-7338. You can also request a cancellation online by emailing Customer Service (the email should include an explanation of your request, the policy number, full name, address, date of birth, and the date you need the policy canceled). When you’re ready for new car insurance quotes visit here.

Does Direct Auto insurance run your credit score?

Yes, Direct Auto insurance runs your credit score in states that allow it. Many companies check your credit in order to determine your risk-factor as a driver and to help ensure that you’re not overpaying for your car insurance. However, if you have bad credit, some companies can refuse to insure you. This is not the case with Direct Auto Insurance, which will insure you regardless of your insurance history.

How to reinstate canceled insurance with Direct Auto:

If your policy has been canceled for more than 30 days, you won’t be eligible for reinstatement. You’ll have to apply for a new policy. However, If your policy has been canceled for less than 30 days, you may be eligible to request reinstatement of your policy. You can start by logging into your account with your policy number and date of birth to access your policy information. You’ll be asked to fill a Statement of No Losses in which you have to certify that you haven’t had any auto accidents. If you did, you aren’t eligible for reinstatement and you’ll need to apply for a new policy. If you haven’t had an auto accident, you can complete and E-sign the Statement of No Losses. You’ll be able to make the payment that is due once you have agreed to the Statement of No Losses. The reinstatement process can take from 7 to 10 days to be completed. You can also contact their local agent or customer service and they’ll be happy to review your policy to see if you qualify to reinstate.

Does Direct Auto have a grace period?

Yes, Direct Auto has a grace period and it can vary by state. The grace period will be always at least 11 days or in some cases, more. The company normally sends a notification after a payment is due with specific information or you can contact customer service to check exactly what your grace period is.

What types of health insurance does Direct Auto offer?

Direct Auto doesn’t have its own health insurance plan but if you’re interested in the following types of health care plans:

Individual or Family Health Insurance

Medicare and Medigap: These types of insurance are generally available to people who are 65 or older and meet the citizenship and residency requirements, under 65 with certain disabilities or from any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant).

Does Direct Auto underwrite auto insurance policies in all 50 states?

Direct Auto insurance serves 11 states: Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Texas and Virginia.

How Does Direct Auto calculate rates?

There are many factors that Direct Auto takes into consideration when calculating the rates, for example with auto insurance, they consider your coverage limits and deductibles, where you live, what kind of car you drive, how your car is used, who can drive your car, your household structure, as well as information from consumer reports like your credit, and claims history.

Bodily Injury Liability

This form of protection covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of protection covers property damage and loss of use to a third party.

Uninsured/Underinsured Motorist

This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.

Comprehensive Coverage

This coverage pays for damages and loss caused by accident, theft, vandalism and other damage on or off the road.

Collision Coverage

This coverage pays for damages and loss caused by impact with another automobile, object or person.

Medical Payments

This coverage pays for medical bills beyond what your health insurance covers.

Personal Injury Protection

This coverage pays for medical bills and indirect costs, no matter who is at fault. This coverage is not available in all states.

Rental Reimbursement

This coverage takes care of renting a vehicle while yours is being repaired.

Towing

This coverage pays for emergency towing costs (up to the limit selected) when your covered vehicle cannot be driven due to a mechanical breakdown or an accident and for labor costs for necessary services provided at the place where your car is disabled.

Accidental Death

This coverage pays your beneficiary $5,000 in the event of accidental death resulting from an accident.