Terms & Conditions

By using the services provided by DanielsInsured, whether through our website, phone calls, or in person at our office, you are entering into a legal agreement with us. This agreement outlines what you can expect from us and what we expect from you as a policyholder or visitor to our platform.

Every insurance policy we issue contains specific terms about what is covered and what is not covered. When you purchase a policy from us, you are agreeing to pay the premium on time and provide accurate information about yourself, your vehicle, and your driving history. If you give us false or incomplete information, we may cancel your policy or deny a claim later on.

Your auto insurance coverage begins on the effective date listed in your policy documents and continues as long as you pay your premiums on time. If you miss a payment, we will send you a notice giving you a grace period to catch up before your coverage gets suspended or canceled. Once your coverage ends, you are responsible for any accidents or damages that happen while you are driving without insurance.

You are responsible for notifying us right away if anything changes that might affect your coverage, such as moving to a new address, adding a new driver to your household, buying a different vehicle, or getting a traffic ticket. Failing to update us about these changes could result in denied claims or policy cancellation.

When you file a claim after an accident, you need to report it to us as soon as possible and provide all the details we ask for, including photos, police reports, witness statements, and repair estimates. We will investigate the claim and decide whether it is covered under your policy. If we approve your claim, we will pay for covered damages minus your deductible, which is the amount you agreed to pay out of pocket when you signed up for the policy.

You agree not to commit fraud or misrepresent facts when dealing with us. This includes lying about how an accident happened, exaggerating damages, or staging accidents for the purpose of filing false claims. Insurance fraud is a crime and we will report any suspected fraudulent activity to law enforcement and deny coverage for any claims related to fraudulent behavior.

Our website may contain links to third-party websites, such as repair shops, medical providers, or other service partners. We are not responsible for the content, accuracy, or practices of these external sites. Visiting these links is at your own risk and you should review their own terms and privacy policies before sharing any personal information with them.

We reserve the right to update or modify these terms at any time without prior notice. Changes will be posted on our website and will take effect immediately unless otherwise stated. It is your responsibility to review these terms regularly to stay informed about any updates. Continuing to use our services after changes have been made means you accept the new terms.

If any part of this agreement is found to be unenforceable or invalid by a court of law, the rest of the terms will remain in full effect. Our failure to enforce any part of these terms at any given time does not mean we are waiving our right to enforce them later.

Any disputes or legal matters arising from your use of our services or your insurance policy will be governed by the laws of the state where your policy was issued. You agree to resolve disputes through binding arbitration rather than going to court, unless prohibited by law. Arbitration is a process where a neutral third party reviews the case and makes a decision that both sides must follow.

You may cancel your policy at any time by contacting us in writing or by phone. Depending on when you cancel and how much of your premium you have already paid, you may be entitled to a refund for the unused portion of your policy. However, if you have any unpaid premiums or outstanding claims, those amounts will be deducted from your refund.

We are committed to providing you with quality service and fair treatment. If you have concerns or complaints about how we handle your policy or claims, please reach out to our customer service team so we can work together to find a solution. By choosing DanielsInsured, you are agreeing to these terms and conditions in full.