Frequently Asked Questions

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Frequently Asked Questions

Below you will find frequently asked questions and their answers. If you don't find the answer you need, please contact us at 1-800-391-8144, Fax: 866-768-7558, or email us at info@fernetinsurance.com.

Why do I need to give so much personal information? Will everyone have access to my personal information?

What if I forget to tell you about something on my driving record?

Why must I list all household members, when they do not drive my car?

Who are considered to be a family member?

What is your definition of an accident?

Our Privacy Policy

Why do I need to give so much personal information?
Will everyone have access to my personal information?

We only collect information necessary to provide accurate insurance quotes when requested. Access to your information is limited to people involved in processing this information for sales, customer service or claims service. It is not our practice to request personal information solely for marketing purposes. Please see our "Privacy Policy" for more detailed information.
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What if I forget to tell you about something on my driving record?

The quote provided is based on the information listed on the questionnaire. If a policy is purchased, driving and claims records are verified through consumer reports. At this time any forgotten information would be added and the insurance premium adjusted to reflect the confirmed driving record.
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Why must I list all household members, when they do not drive my car?

For coverage purposes, all family members of driving age, who are residents of the household, must be listed to protect both you and us. In some states, exclusions are available for family household residents who do not require coverage.
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Who are considered to be a family member?

Any immediate or extended family member of driving age is considered a family member. This Includes parents, children, siblings, grandparents, aunts, uncles, cousins, foster children, in-laws & step family members.
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What is your definition of an accident?

Accidents include at fault, not at fault, reported and unreported collisions that you as the driver were involved in. Not at fault occurrences where your parked vehicle was damaged in a collision are also considered accidents.
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Our Privacy Policy

The protection and confidentiality of your personal information is a top priority to us. Any unique personal information given on this website, including your date of birth, name, street address, phone number, drivers license number, social security number, policy number, vehicle identification number is used solely for the procurement of insurance quotations at your request. Further, all data submitted is forwarded directly to insurance companies quoting the specific type of insurance you have requested quotes on and is not handled, sorted, or otherwise disseminated by any third parties in transit. Unless you expressly give us permission to do so, or unless required by law, Fernet does not willfully disclose your unique personal information other than for the sole purpose stated above.
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