Effective Date: 6/01/2016
Last Updated: 6/18/2026
Privacy Policy for Able Insurance
At Able Insurance, we value your trust and are committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and safeguard your personal information when you visit our website, request insurance quotes, purchase insurance products, or interact with us regarding auto, life, and other insurance services.
By using our website, you agree to the practices described in this Privacy Policy.
Information We Collect
Personal Information You Provide
When requesting an insurance quote, applying for coverage, or contacting us, we may collect:
- Full name
- Mailing address
- Email address
- Telephone number
- Date of birth
- Driver’s license number
- Vehicle information (VIN, make, model, year, mileage, driving history)
- Life insurance application information
- Beneficiary information
- Employment information
- Financial information
- Payment and billing information
- Information about household members
- Any information submitted through forms, applications, or customer service communications
Automatically Collected Information
When you visit our website, we may collect:
- IP address
- Browser type and operating system
- Device information
- Website usage and browsing behavior
- Pages viewed and time spent on the site
- Referral sources
- Geographic location information
How We Use Your Information
We use your information to:
- Provide auto insurance quotes and policy options
- Provide life insurance quotes and coverage recommendations
- Evaluate insurance eligibility and underwriting requirements
- Process applications and policy changes
- Manage claims and customer service requests
- Verify identity and prevent fraud
- Communicate policy information and renewal notices
- Improve website performance and user experience
- Comply with legal, regulatory, and insurance industry requirements
- Send promotional and educational communications (with your consent where required)
Information Sharing
We do not sell your personal information.
We may share information with:
Insurance Carriers and Underwriters
To obtain quotes, issue policies, evaluate risk, and administer coverage.
Service Providers
Companies that assist with:
- Payment processing
- Customer support
- Data storage
- Marketing services
- Website analytics
- Claims administration
Legal and Regulatory Authorities
When required by law, subpoena, court order, insurance regulation, or governmental request.
Business Transfers
In connection with a merger, acquisition, asset sale, or business reorganization.
Life Insurance and Health-Related Information
For life insurance applications, we may collect and process health-related information as permitted by applicable laws and regulations. Such information is used solely for underwriting, policy administration, claims handling, and related insurance purposes.
Sensitive personal information is handled with enhanced security measures and in accordance with applicable privacy laws.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to:
- Improve website functionality
- Analyze website traffic
- Enhance user experience
- Remember user preferences
- Measure marketing effectiveness
Users may manage cookie preferences through browser settings.
Data Security
We implement industry-standard administrative, technical, and physical safeguards to protect your personal information, including:
- Secure data encryption
- Restricted access controls
- Secure payment processing
- Ongoing security monitoring
- Employee privacy training
While we strive to protect personal information, no electronic transmission or storage system can be guaranteed to be 100% secure.
Retention of Information
We retain personal information only as long as necessary to:
- Provide insurance products and services
- Meet legal and regulatory obligations
- Resolve disputes
- Enforce agreements
- Maintain required business records
Consumer Privacy Rights
Depending on your state of residence, you may have rights regarding your personal information, including:
- Access to personal information we maintain
- Correction of inaccurate information
- Request deletion of certain information
- Request information regarding data sharing practices
- Opt out of certain marketing communications
To exercise your rights, contact us using the information below.
Compliance with Insurance Privacy Laws
As an insurance agency and insurance services provider, we comply with applicable privacy regulations, including:
- The Gramm-Leach-Bliley Act (GLBA)
- State insurance privacy regulations
- Federal consumer protection laws
- Applicable state privacy laws
Additional insurance privacy notices may be provided separately as required by law.
Third-Party Links
Our website may contain links to third-party websites, including insurance carriers, payment providers, and informational resources. We are not responsible for the privacy practices or content of these external websites.
Children’s Privacy
Our services are intended for adults seeking insurance products. We do not knowingly collect personal information from children under the age of 13. If we become aware that information has been collected from a child, we will take appropriate steps to delete it.
Email and Marketing Communications
We may send policy updates, insurance information, newsletters, and promotional offers. You may opt out of marketing emails at any time by:
- Clicking the “unsubscribe” link in an email
- Contacting our office directly
Please note that policy-related communications may still be sent as required for servicing your insurance coverage.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in legal requirements, business practices, or technology. Any updates will be posted on this page with a revised effective date.
Contact Information
If you have questions regarding this Privacy Policy or your personal information, please contact:
Able Insurance Agency
716 Rio Rd West Ste. D Charlottesville, VA 22901 434 979 0814
Important Notice
This Privacy Policy applies to information collected through this website and related insurance services. Separate carrier-specific privacy notices may apply to insurance policies issued through individual insurance companies and should be reviewed independently.
