Insurance draws more TCPA lawsuits than any other industry, and serial plaintiffs file more than half of them. Most lead vendors answer that fact with fine print that shifts the risk to you. We answer it with the file itself, and with straight answers below. This is practical guidance, not legal advice.
Yes, with conditions. Federal law permits manually dialed, live-voice marketing calls to consumers whose numbers are not on the Do Not Call registry (or your internal DNC list). What purchased data never permits: prerecorded or AI voice, ringless voicemail, or marketing texts, because those require written consent the data does not carry. The lane is narrow but real, and it’s the lane every DAITA DRIVE file is built for.
A dated scrub certificate covering the federal DNC registry and all 11 state registries (CO, FL, IN, LA, MA, MO, OK, PA, TN, TX, WY). Screening against known serial-litigator and trap-line lists. A wireless flag and local time zone on every number. Per-state calling windows and attempt caps attached, because Florida, Texas, Oklahoma, Maryland, Washington, and Oregon all run stricter rules than federal law.
That purchased records are “consented leads.” That you can run them through an autodialer, AI voice, or texting tool. That compliance is somebody else’s problem. Vendors who say those things are the reason agents end up as defendants. Manual dial, live voice, scrubbed file: that’s the lawful lane, and our contracts require it because it protects you as much as us.
Six plain-English guides, each answering one question agents actually search:
The caller carries primary liability: $500–$1,500 per call in statutory damages once a consumer receives two violating calls in 12 months. That’s why every DAITA DRIVE file arrives pre-scrubbed and why buyers maintain their own DNC subscription and re-scrub every 31 days. Belt and suspenders, both required.
A screen that removes phone numbers belonging to known serial TCPA plaintiffs and their trap lines before you ever dial. Serial filers drive over half of all TCPA suits, so this single screen removes an outsized share of lawsuit risk. It’s included on every DAITA DRIVE file.
No. Marketing texts require prior express written consent, and purchased data doesn’t carry it. Several states treat texts exactly like calls under their telemarketing laws. Our contracts prohibit texting DRIVE data, full stop.
Fifteen minutes, straight answers, and your free 25-lead sample set up before we hang up.