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I. Introduction: As a current customer of DGK Insurance and Financial Services, hereafter referred to as DGK, we would like to take this opportunity to both thank you for your business and to share with you the importance our agency places upon protecting the privacy of information we gather from you in accordance with applicable state and federal laws. DGK is a member of the financial services industry and, as such, our agency has been and continues to be subject to federal and state privacy laws regarding the collection and exchange of your information. The following is DGK’s privacy policy regarding the customer information we collect. II. Information we collect and the means used to collect: DGK collects information about our customers that is necessary to provide those services usual and customary to independent insurance agents. DGK collects this necessary information from the following sources: • Information we receive from you on applications or other forms such as MVR and CLUE Reports. This information may include, but is not limited to, your name, address, and date of birth. To collect customer information from the above-stated sources, DGK may use the following means of communication; written, in-person, telephone, facsimile, electronically, and online. III. How we share client information with non-affiliated third parties: We share information about our customers or former customers with non-affiliated third parties as permitted or required by law. For example, the following reasons: • Information that is necessary to service or process the insurance needs of our clients. Such usual and customary services or processes provided by DGK to its customers include but are not limited to underwriting, shopping the renewal, rating, placement, and providing quotes for insurance that is germane to the coverage the customer places with our agency. IV. How we share client information with affiliated parties: We do not share client information with any affiliate. V. Our practices regarding information confidentiality and security: We maintain physical, electronic, and procedural safeguards to guard your information. These safeguards include but are not limited to the following: • We restrict access to nonpublic personal information about our clients and former clients to only those employees who need to know that information in order to assist in providing services or products to the client. VI. Notification of Your Rights to “OPT OUT” of Certain Disclosures If you prefer that we not disclose nonpublic personal information about you to non-affiliated third parties, you may “opt out” of those disclosures; that is, you may direct us not to make those disclosures (other than those disclosures that are expressly permitted by law). If you wish to “opt out” of such disclosures to non-affiliated third parties, you may call us toll-free at 1-800-242-4337 from 8:30 am to 5:00 pm.
What Companies Do You RepresentAs an independent insurance agency, DGK places insurance with Allstate, Brethren, EMC, Foremost, Harleysville, PA National, Ohio Casualty, Selective, Metlife, Progressive, & Westfield and others. Who handles claims?Your customer service agent. If you are not sure whom to speak with, ask our receptionist when you call. Do I get a 30 day grace period beyond the renewal date for my insurance payment?Only on your life insurance. Will my rates go up if I put in a homeowners claim?Possibly with some companies you may lose your accident free discount, it may be difficult to change companies in the future & some companies started to penalize where they didn’t before. What does Coinsurance mean?The insured agrees to accept a penalty if a covered loss occurs & the property is not insured to a stipulated percentage of its value. If I rent a car do I have to get their insurance?On business policies there is no coverage for rental unless hired auto coverage is purchased. On personal policies - if you have comprehensive & collision the rental car will be covered. However your policy does not cover mechanical breakdown (the rental car insurance does). Where are you located?DGK’s home office is located in Factoryville, Pa. at the junction of Rt. 6 & 11 and 107. What kinds of insurance do you sell?Personal lines, Commercial lines, and Financial Services & Investments. Is coverage for rental vehicles automatic?No - this must be purchased & the rental is only for accidents. My car is 10 yrs. old. Should I carry comprehensive and collision?This is entirely up to the person, if they can afford it and the value of the vehicle. Some companies will not apply comprehensive & collision to older vehicles. How soon do I need to report a workers comp. claim?48 hrs. - this is by statute. Can Drivers Training really save money?10% credit is given on the vehicle the child is rated on. If the child leaves the policy before they are 24 - the drivers training gives them a better rate than without it. Sometimes it costs more for the Driver Training class than the credit you are given. Who do I talk to?Each client has an agent and a customer service team assigned to them. Why do I need uninsured and underinsured motorist coverage?If the person causing the accident is underinsured or not insured - this is where the disability coverage is provided for pain & suffering. What are the NAIC codes?
If someone borrows my car & has an accident, is there coverage?Yes, for liability, comprehensive & collision if you purchased these coverages on your car. Medical payments must be submitted to the drivers own policy. The car cannot be used on a regular basis. If I sign a gas lease, how will coverage for liability issues be addressed under either homeowner’s or farm owner’s insurance policy?Several counties in NEPA have recently been targeted by natural gas producers to explore the region for gas by drilling gas wells under leases negotiated with the land owners. First and most importantly you need to have an attorney review the contract you will be asked to sign. (1) Since property owners are being paid for the use of their land, this may constitute a “business” exposure. Bodily injury or property damage arising out of or in connection with a business conducted from an insured location would trigger the business pursuit exclusion for a loss arising from the gas exploration activities. Farm Owner insurance policies are proprietary to each Insurance Company. They do not necessarily use standardized policy language. Based on this you must contact your agent to review how your policy will address the above concerns. When does a deductible apply?On personal policies - for comprehensive & collision coverages when specified. No deductible on Bodily injury. What are your hours of operation?Our Factoryville office is open Monday through Friday from 8:30 a.m. to 5:00 p.m. DGK’s telephone system offers 24-hour voice mail-box and faxing access
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