1. Who We Are
BadDrivingRecord.com is owned and operated by:
We are a licensed insurance agency. When you submit a quote request through this Website, BadDrivingRecord.com collects your information and provides it to BadDrivingRecord.com Insurance Services Inc, which prepares the insurance quotes. If you purchase a policy, it is written and serviced under BadDrivingRecord.com Insurance Services Inc, subject to state licensing and carrier approval. We bind the policy for you and we would be your agent of record (Insurance Agent). This is not a lead generation site that sells your information to insurance companies or other insurance agents.
BadDrivingRecord.com Insurance Services is owned by Morrison Insurance Services Inc, a former franchisee of a major franchise. Morrison Insurance Services has been operating for over 11 years and specializes in high risk auto insurance, SR-22 Insurance, and FR-44 Insurance.
We are currently licensed to sell insurance in:
Availability of specific products and services may vary by state and by carrier. See the Verify Our Licensing section below.
2. Scope of This Policy
This Privacy Policy applies to:
It does not apply to third-party websites or services you may access through links on our site (including carrier websites), which have their own privacy policies.
3. Information We Collect
We collect information that you voluntarily provide when you submit an insurance quote request, request that we contact you, or communicate with us by phone, email, or SMS/text. Information you may provide includes:
4. Information Collected Automatically (Cookies & Tracking)
When you visit BadDrivingRecord.com, we and our third-party partners may automatically collect certain information using cookies, pixels, and similar technologies, including:
We use, among other tools: Google Analytics, Facebook Pixel, and Google Ads tracking (including remarketing and conversion tracking). These tools help us understand how visitors use our site, measure advertising effectiveness, and improve our services.
You can manage cookies via your browser settings and learn more about opting out of certain tracking via Google and Meta/Facebook opt-out tools.
5. How We Use Your Information
We use the information we collect for purposes including:
Some pages show a prewritten Ask Garrick demonstration. It is illustrative website content, not a live chat. It does not accept or transmit a prompt, and the displayed answer is not personalized. Cookies, analytics, and other website technologies may still operate as described elsewhere in this Policy.
If we make an interactive Ask Garrick or another AI-assisted feature available, we will identify it as AI where you use it. The feature may process the information you submit, including the conversation and any personal information you choose to provide, so it can respond and support our insurance-services workflow.
As configured for BadDrivingRecord.com, the AI provider does not use customer data to train its models and does not independently save or retain customer data. BadDrivingRecord.com may retain AI conversations and related customer records in its own systems as part of its insurance agency records. Retention periods vary by record type, the services requested, and applicable state law; some records are subject to state-specific insurance agency retention requirements.
An AI-assisted feature may provide information or collect details, but it cannot bind, issue, change, renew, or cancel insurance coverage. AI output may be incomplete, inaccurate, or outdated. Confirm coverage, pricing, eligibility, filing status, and deadlines with an authorized BadDrivingRecord.com representative or the insurance carrier before relying on an AI response.
Do not submit Social Security numbers, passwords, payment-card or bank information, medical information, or other highly sensitive information through an AI feature unless we specifically direct you to an approved secure method.
Privacy requests concerning AI conversations retained by BadDrivingRecord.com may be submitted using the methods in the “Your Privacy Rights” section below.
6. How We Share Your Information
We do not sell your personal information.
We may share your information in the following situations:
We share the information you provide for the purpose of obtaining insurance quotes, determining eligibility and underwriting, issuing and servicing policies, and completing required state filings (such as FR-44 or SR-22).
Policies quoted or issued based on your request through this Website are written under BadDrivingRecord.com Insurance Services Inc., subject to state licensing and carrier availability.
Solely for obtaining insurance quotes, verifying eligibility, underwriting and issuing policies, and completing state-required filings (such as FR-44 or SR-22).
Trusted service providers that perform services on our behalf, such as:
These service providers are authorized to use your information only as necessary to provide services to us.
When required by law, subpoena, or court order; to comply with regulatory requirements or respond to lawful requests; to protect our rights, property, or safety, or that of our clients or others; and in connection with a merger, acquisition, or transfer of assets.
7. SMS/Text Messaging and Phone Calls (TCPA Consent)
By submitting your information on this Website and providing your phone number, you expressly consent to being contacted by Morrison Insurance Services Inc. and BadDrivingRecord.com Insurance Services Inc. for purposes related to your insurance inquiry, including insurance quotes, policy information, follow-up questions, and renewal reminders or service-related notifications. Contact may be made via phone calls and SMS/text messages.
Message and data rates may apply. You may opt out of SMS/text communications at any time by replying "STOP" to any message.
We do not use autodialers or prerecorded/artificial voice messages for marketing to your mobile device. Consent is not required to obtain a quote or purchase insurance.
8. Your Privacy Rights
Depending on your location and applicable law (including the California Consumer Privacy Act (CCPA), as amended by the CPRA), you may have rights such as:
To exercise any of these rights, please contact us using the contact information below. We may need to verify your identity before responding to certain requests.
9. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect the information we collect against unauthorized access, loss, misuse, or alteration. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
10. Data Retention
We retain personal information for as long as reasonably necessary to provide quotes and services, comply with legal, regulatory, and recordkeeping requirements, and resolve disputes and enforce our agreements.
When information is no longer needed, we may delete, anonymize, or aggregate it.
11. Children's Privacy
This Website is not intended for children under 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take reasonable steps to delete it.
12. Third-Party Links
Our Website may contain links to third-party websites (including insurance carrier portals). We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Effective Date" at the top of this page. Your continued use of the Website after any changes indicates your acceptance of the updated Policy.
14. Contact Us
If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us at:
Verify Our Insurance Licensing
BadDrivingRecord.com Insurance Services Inc. is licensed in the states listed below. You can verify our agency license status directly through each state's official insurance license lookup website. When searching, type in BadDrivingRecord.com.
