1. Acceptance of Terms
By applying for or using our auto insurance services, you agree to be bound by these Terms and Conditions, our Privacy Policy, and all applicable laws and regulations. If you do not agree, do not use our services.
2. Eligibility
You must be at least 18 years old and legally capable of entering a binding agreement. Auto insurance coverage is available only to individuals or businesses meeting underwriting criteria in approved jurisdictions.
3. Coverage and Policy Details
The insurance coverage provided is subject to the terms outlined in your Policy Document, which includes:
- Coverage types (liability, comprehensive, collision, etc.)
- Coverage limits and exclusions
- Deductibles
- Endorsements and optional coverages
Note: Your actual policy governs in case of any conflict with these Terms.
4. Premiums and Payments
- Premium amounts are based on your vehicle, location, driving history, and other underwriting factors.
- Premiums are due as outlined in your billing schedule.
- Failure to make timely payments may result in cancellation.
Accepted payment methods include [credit/debit card, bank transfer, etc.].
5. Cancellation and Termination
By the Policyholder:
You may cancel your policy at any time by notifying us in writing. Refunds (if any) will be issued in accordance with applicable law.
By the Insurer:
We may cancel or non-renew your policy for reasons including, but not limited to:
- Non-payment
- Fraud or misrepresentation
- License suspension or revocation
- Change in risk
We will provide advance notice as required by law.
6. Claims and Reporting
You must report all accidents, theft, or other incidents as soon as reasonably possible. Failure to comply may affect claim processing.
Claims may be reported via:
- Phone: [Insert Phone Number]
- Online: [Insert Web Address]
- Email: [Insert Email]
We reserve the right to investigate and assess all claims before payment.
7. Fraud Prevention
Providing false, misleading, or incomplete information at any time (application, underwriting, or claims) may result in:
- Denial of coverage
- Policy cancellation
- Legal action
8. Limitation of Liability
To the extent permitted by law, [Your Company Name] and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from the use or inability to use our insurance services.
9. Privacy and Data Use
We collect and use personal information in accordance with our Privacy Policy. By using our services, you consent to our collection, use, and sharing of information as described therein.
10. Changes to Terms
We reserve the right to modify these Terms at any time. Updates will be posted on our website with the effective date. Continued use of services after changes means you accept the updated Terms.
11. Governing Law
These Terms are governed by the laws of the State of [Texas], without regard to its conflict of law principles.
12. Dispute Resolution
In the event of a dispute, both parties agree to first attempt informal resolution. If unresolved, disputes may be resolved through:
- Binding arbitration or
- Court in [Texas Jurisdiction], depending on applicable law and user agreement.
13. Contact Information
For questions or support, contact us at:
📧 Email: [info@theauto-insurance.us ]
📞 Phone: [(855) 581-1567]
🌐 Website: [www.theauto-insurance.us ]
14. Entire Agreement
These Terms and your insurance policy constitute the full agreement between you and [Your Company Name]. No oral or written statements not included herein shall be binding.
✅ Acknowledgement
By applying for or using our services, you confirm that you have read, understood, and agreed to these Terms and Conditions.