Terms of Service

Agreement to These Terms

These Terms of Service ("Terms") govern your access to and use of the Insurance Nation website located at www.insurancenation.com, including its webpages, online forms, quote-request tools, customer-service features, communications, and other online services that link to these Terms (collectively, the "Website").

The Website is operated by Insurance Nation ("Insurance Nation," "we," "us," or "our").

By accessing or using the Website, submitting information through the Website, requesting an insurance quote, or otherwise using our online services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

1. Insurance Nation's Role

Insurance Nation is an insurance agency that assists consumers and businesses in obtaining insurance products and services from insurance companies and other insurance providers.

Insurance Nation works with multiple insurance carriers and may provide information concerning insurance products offered by those carriers. Insurance Nation is not itself the insurer or insurance carrier issuing the insurance policies presented through the Website unless expressly stated otherwise.

Insurance products are issued and underwritten by the applicable insurance carrier and are subject to that carrier's underwriting requirements, eligibility criteria, policy terms, exclusions, limitations, conditions, and applicable law.

The availability of any insurance product or carrier may vary based on factors including your location, eligibility, underwriting information, insurance history, risk characteristics, and applicable law.

Nothing on this Website should be interpreted as a representation that any particular insurance product, coverage, carrier, rate, discount, or policy is available to every person or in every jurisdiction.

2. No Insurance Coverage Is Created by Using the Website

Your use of the Website does not create an insurance policy, binder, contract of insurance, or other insurance coverage.

In particular:

• submitting an online form does not bind insurance coverage;
• requesting a quote does not create insurance coverage;
• receiving a quote does not create insurance coverage;
• making a payment through a third-party carrier website does not necessarily establish or reinstate coverage unless confirmed by the applicable carrier;
• sending an email, text message, or other electronic communication to Insurance Nation does not create, modify, extend, renew, or reinstate insurance coverage; and
• requesting a policy change through the Website does not make that change effective unless and until the change is accepted and confirmed by the applicable insurance carrier or an authorized representative.

3. Quotes and Estimates

Any insurance quote, premium estimate, coverage illustration, comparison, or other pricing information provided through the Website is preliminary unless expressly identified otherwise.

Quotes may change based on information obtained during underwriting or verification, including information relating to driving history, claims history, property characteristics, credit-based insurance information where permitted by law, motor vehicle records, prior insurance, household members, business operations, and other underwriting factors.

A quoted premium is not guaranteed until coverage is formally offered and bound by the applicable insurance carrier.

Insurance Nation does not guarantee that a quote displayed or communicated through the Website will be the final premium charged by the carrier.

4. Insurance Policy Terms Control

The Website may contain summaries, explanations, comparisons, descriptions, or general information concerning insurance products and coverages.

Such information is provided for general informational purposes and does not amend, expand, replace, or supersede the terms of an insurance policy.

The actual insurance policy, declarations page, endorsements, exclusions, conditions, carrier notices, and other policy documents issued by the insurance carrier govern your insurance coverage.

If information appearing on the Website conflicts with an insurance policy or carrier document, the applicable policy or carrier document controls, subject to applicable law.

You are responsible for reviewing your insurance policy and related documents carefully.

Questions regarding specific coverage should be directed to a licensed insurance professional.

5. No Guarantee of Coverage or Savings

Insurance Nation may compare insurance products or rates from multiple insurance carriers.

However, Insurance Nation does not guarantee:

• acceptance by any insurance carrier;
• availability of any particular coverage;
• availability of any particular insurance carrier;
• any particular premium or rate;
• that a particular policy is the least expensive policy available in the market;
• that every insurance carrier or insurance product available in the market has been considered;
• any particular amount of savings; or
• that insurance products presented through the Website are appropriate for every person's circumstances.

Insurance availability and pricing depend on carrier underwriting criteria and the information provided by the applicant.

6. Your Responsibility to Provide Accurate Information

When requesting a quote, applying for insurance, servicing a policy, or otherwise providing information through the Website, you agree to provide information that is accurate, current, and complete to the best of your knowledge.

Insurance carriers rely upon information supplied by applicants and insureds when determining eligibility, premiums, coverage, and underwriting decisions.

Incorrect, incomplete, misleading, or omitted information may result in changes to premiums or coverage and, depending on the circumstances and applicable law, may result in denial of coverage, cancellation, nonrenewal, rescission, or denial of a claim.

You are responsible for reviewing application and policy information for accuracy and promptly notifying Insurance Nation or the applicable carrier if information is incorrect or changes.

7. No Professional Advice Through Website Content

Information provided on the Website is intended to provide general information concerning insurance products and services.

Website content is not intended to constitute legal, tax, accounting, financial, or other professional advice.

Insurance recommendations depend upon individual circumstances. You should consult an appropriately licensed or qualified professional when advice concerning your particular circumstances is required.

8. Policy Changes, Cancellations, and Other Time-Sensitive Requests

Do not rely solely on the Website, email, voicemail, text message, or an online form for urgent or time-sensitive insurance matters.

Requests to:

• add or remove coverage;
• add or remove a vehicle or driver;
• change coverage limits or deductibles;
• cancel a policy;
• reinstate a policy;
• add an additional insured, lienholder, or mortgagee;
• obtain evidence of insurance; or
• make any other policy modification

are not effective merely because the request has been submitted.

A requested transaction is effective only when processed and confirmed by the applicable carrier or an authorized representative.

9. Claims and Emergencies

Insurance claims are ultimately handled by the insurance carrier responsible for the applicable policy. The Website may provide links or information to assist customers in contacting insurance carriers, but Insurance Nation does not control a carrier's claims decisions, investigation, adjustment, settlement, or payment.

If you need to report a claim, you should contact your insurance carrier using the claims information provided in your insurance policy or through the carrier's official claims service.

Do not rely solely upon a message submitted through the Website to satisfy any policy requirement concerning timely notice of a claim.

10. Third-Party Insurance Carriers and Websites

The Website may contain links to websites, portals, payment systems, claims systems, or other services operated by insurance carriers and other third parties.

These third-party services are provided for convenience.

Insurance Nation does not control third-party websites and is not responsible for their content, availability, security, privacy practices, terms, transactions, or services.

Your use of a third-party website is governed by that third party's own terms and policies.

References to insurance carriers, products, trademarks, or services on the Website do not imply ownership of those companies or products by Insurance Nation.

11. Payments

Certain insurance payments may be processed directly by an insurance carrier, premium finance company, payment processor, or other third party.

Insurance Nation does not guarantee that submission of a payment will prevent cancellation, reinstate a cancelled policy, or otherwise cause insurance coverage to become effective.

You are responsible for confirming the status of your policy and payment with the applicable carrier when necessary.

The terms of your insurance policy, billing agreement, premium finance agreement, or carrier payment arrangement govern your payment obligations.

12. Electronic Communications

When you use the Website, submit a form, provide an email address, or otherwise communicate with Insurance Nation electronically, you consent to receive communications from us electronically where permitted by law.

Electronic communications may include responses to inquiries, quote information, policy-related communications, notices, disclosures, and other information relating to products or services you request.

Certain legally required insurance documents or notices may be subject to separate consent or delivery requirements under applicable law.

You are responsible for maintaining accurate contact information.

13. SMS Text Messages

14. Privacy

Your privacy is important to us.

Our collection, use, retention, and disclosure of personal information through the Website is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using the Website, you acknowledge that you have reviewed our Privacy Policy.

15. Eligibility and Use of the Website

You may use the Website only for lawful purposes.

By using the Website, you represent that you have the legal capacity to enter into these Terms.

The Website is primarily intended for individuals located in jurisdictions where Insurance Nation and the applicable insurance professionals and carriers are authorized to provide the relevant insurance products or services.

The availability of the Website does not constitute an offer to sell insurance in a jurisdiction where such offer or sale would be unlawful.

16. Prohibited Uses

You may not use the Website to:

• violate any applicable federal, state, or local law;
• submit false, fraudulent, misleading, or unauthorized information;
• impersonate another person or misrepresent your identity or authority;
• attempt to obtain insurance or insurance information fraudulently;
• interfere with the operation or security of the Website;
• introduce viruses, malware, malicious code, or other harmful technology;
• attempt to gain unauthorized access to systems, accounts, databases, or networks;
• scrape, harvest, copy, or systematically extract Website content or data without authorization;
• use automated systems, bots, or similar technology in a manner that materially burdens or disrupts the Website;
• use Website content for unlawful, fraudulent, or competitive misuse; or
• infringe the intellectual property or other rights of Insurance Nation or any third party.

We reserve the right to restrict or terminate access to the Website when we reasonably believe these Terms have been violated.

17. Intellectual Property

Unless otherwise indicated, the Website and its original content, design, graphics, text, software, logos, images, and other materials are owned by or licensed to Insurance Nation and are protected by applicable intellectual-property laws.

Insurance carrier names, trademarks, logos, and other third-party intellectual property appearing on the Website belong to their respective owners.

You may use the Website for your personal, noncommercial use in connection with obtaining information about Insurance Nation's services.

No Website content may be reproduced, distributed, modified, republished, transmitted, displayed, sold, licensed, or commercially exploited without appropriate authorization.

18. Website Availability and Accuracy

We endeavor to maintain accurate and current Website information but do not guarantee that all Website content will always be complete, current, accurate, or error-free.

Insurance products, rates, carrier relationships, eligibility requirements, coverage options, office locations, features, and other information may change without notice.

We may modify, suspend, discontinue, restrict, or update any portion of the Website at any time.

19. Disclaimer of Warranties

Nothing in this section limits obligations that Insurance Nation may have under applicable insurance laws or regulations that cannot lawfully be waived.

20. Limitation of Liability

Nothing in these Terms is intended to waive, restrict, or eliminate any right or remedy that cannot legally be waived under applicable insurance or consumer-protection law.

21. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Insurance Nation and its officers, directors, employees, agents, and affiliates from claims, liabilities, damages, losses, and reasonable costs arising from your unlawful use of the Website, your material violation of these Terms, or your infringement of another person's rights.

This provision does not require you to indemnify Insurance Nation for Insurance Nation's own unlawful conduct to the extent such indemnification would be prohibited by applicable law.

22. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict-of-law principles, except where federal law applies.

Subject to the dispute-resolution provisions below and to the extent permitted by applicable law, any judicial proceeding arising out of or relating specifically to the Website or these Terms shall be brought in a court of competent jurisdiction located in Miami-Dade County, Florida.

23. Dispute Resolution and Arbitration

Before initiating arbitration, the complaining party must provide the other party with written notice describing the dispute and requested resolution and allow at least thirty (30) days for the parties to attempt to resolve the matter informally.

Unless otherwise agreed, arbitration shall take place in Miami-Dade County, Florida and shall be administered by a nationally recognized arbitration provider pursuant to its applicable consumer arbitration rules.

NO CLASS ACTIONS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, DISPUTES SUBJECT TO ARBITRATION MUST BE BROUGHT ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN A CLASS, CONSOLIDATED, COLLECTIVE, OR REPRESENTATIVE ACTION.

Nothing in this section is intended to prevent a consumer from filing a complaint with an insurance regulator, consumer-protection agency, law-enforcement agency, or other governmental authority.

24. Changes to These Terms

We may update these Terms periodically to reflect changes in our services, Website functionality, business practices, or applicable legal requirements.

When we make changes, we will update the "Last Updated" date at the top of these Terms.

Material changes may be communicated through additional notice where appropriate or required by law.

Your continued use of the Website after updated Terms become effective constitutes acceptance of the updated Terms to the extent permitted by applicable law.

25. Severability

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision shall be enforced to the maximum extent permitted by law or severed where necessary, and the remaining provisions shall remain in effect.

26. No Waiver

Insurance Nation's failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

27. Entire Agreement

These Terms and the Privacy Policy constitute the agreement between you and Insurance Nation concerning your use of the Website.

These Terms do not replace, modify, or supersede the terms of any insurance policy, insurance application, premium finance agreement, carrier agreement, or other separate agreement governing an insurance transaction.

How to Contact Us

If you have any questions regarding these Terms of Service, please contact us using the information below: