Terms and Conditions

Welcome to CorInsured, where we provide auto insurance services designed to protect your vehicle and give you peace of mind on every journey. By accessing our website, requesting quotes, purchasing policies, or using any of our services, you enter into a binding agreement with us governed by these terms and conditions. We encourage you to read this document carefully before proceeding, as it outlines your rights, responsibilities, and what you can expect from our relationship as your insurance provider.

Our services are available to licensed drivers who meet the eligibility requirements established by state insurance regulations and our underwriting guidelines. When you apply for coverage, you agree to provide accurate and complete information about yourself, your vehicle, your driving history, and any other details we request to assess risk and calculate premiums. Misrepresenting facts or omitting important information may result in policy cancellation, claim denial, or adjustments to your premium rates. We rely on your honesty to offer fair pricing and appropriate coverage levels.

Once you purchase a policy, you become legally bound to pay premiums according to the payment schedule you selected during enrollment. Payments can be made through our website, mobile app, automatic bank transfers, or by calling our customer service team. If a payment is missed, we provide a grace period as required by law, but continued non-payment may lead to policy suspension or termination. We send reminders before payment due dates and notify you immediately if your account falls into arrears, giving you opportunities to resolve payment issues before coverage lapses.

Your insurance policy becomes active on the effective date specified in your policy documents, and coverage continues as long as premiums are paid and terms are followed. The policy includes specific coverage limits, deductibles, exclusions, and conditions that define what is and isn't protected. Reading your policy documents thoroughly is essential because these details determine how claims are handled. Standard exclusions typically include intentional damage, racing activities, using your vehicle for commercial purposes without proper coverage, and driving under the influence of alcohol or drugs.

When an incident occurs that may be covered under your policy, you must report it to us as soon as reasonably possible. Delaying notification can complicate investigations and potentially affect your claim outcome. Our claims process begins with you providing details about the incident, including date, time, location, parties involved, and any relevant photos or documentation. We assign an adjuster who reviews your claim, verifies coverage, and works with you to resolve the matter efficiently. Cooperation during this process is required, including allowing vehicle inspections, providing requested documents, and answering questions honestly.

Coverage limits represent the maximum amount we will pay for a covered loss, and deductibles are amounts you pay out of pocket before insurance coverage applies. Understanding these figures helps you make informed decisions about your financial exposure in different scenarios. For example, if you have collision coverage with a five hundred dollar deductible and incur two thousand dollars in repair costs, you pay the first five hundred and we cover the remaining fifteen hundred. Choosing higher deductibles typically lowers your premium, while lower deductibles mean higher premiums but less out-of-pocket expense when filing claims.

You have certain obligations while your policy is active, including maintaining a valid driver's license, registering your vehicle properly, notifying us of address changes or vehicle modifications, and informing us if you add or remove drivers from your household. Material changes to your risk profile may affect your premium or coverage eligibility. For instance, adding a teenage driver typically increases premiums due to higher risk, while removing a vehicle from your policy reduces costs. We recalculate premiums when these changes occur and adjust your future payments accordingly.

Policy renewal happens automatically unless you or we provide notice of non-renewal within the timeframe specified by state law and your policy terms. Before each renewal period, we send you updated policy documents showing any changes to premiums, coverage, or terms. This gives you an opportunity to review the renewal offer and decide whether to continue, modify, or cancel your coverage. If you choose not to renew, you must notify us before the renewal date to avoid being charged for the next policy period. Similarly, we reserve the right to non-renew policies based on claims history, non-payment, license suspension, or other factors permitted under insurance regulations.

Cancelling your policy mid-term is possible, but terms vary depending on how much of the policy period has elapsed and whether you're canceling voluntarily or we're canceling for cause. If you cancel, you may receive a prorated refund of unused premium, minus any applicable fees or outstanding balances. If we cancel due to non-payment or misrepresentation, different rules apply, and you may not receive a refund. State regulations govern cancellation procedures, and we follow all legal requirements including providing proper notice and explanations for cancellation decisions.

Our website and digital tools are provided for your convenience to manage policies, make payments, file claims, and access resources. While we strive to keep these systems available and secure, we cannot guarantee uninterrupted access due to maintenance, technical issues, or circumstances beyond our control. You are responsible for maintaining confidential login credentials and notifying us immediately if you suspect unauthorized access to your account. Any actions taken through your account are considered authorized by you unless you report a security breach promptly.

Disputes between you and CorInsured are preferably resolved through direct communication with our customer service team or management. We take complaints seriously and investigate concerns thoroughly. If informal resolution fails, you have the right to pursue arbitration or legal action as permitted by law and your policy terms. Some policies include arbitration clauses that require disputes to be settled through arbitration rather than court proceedings. These clauses are designed to provide faster, less expensive resolution than traditional litigation, though they may limit your ability to participate in class action lawsuits.

We make reasonable efforts to ensure information on our website is accurate and current, but errors can occur. Policy documents issued to you are the authoritative source for coverage details, and if discrepancies exist between website content and your policy, the policy language governs. We update our website regularly to reflect changes in offerings, pricing, and regulatory requirements, so reviewing information before making decisions is advisable. Promotional materials, advertisements, and general website content are not binding offers and may not represent your specific coverage or pricing.

Your interactions with third parties through our website, such as repair shops in our network or financing partners, are subject to their own terms and conditions. We provide these connections as a convenience but are not responsible for the quality, timeliness, or legality of services provided by third parties. Always review contracts and agreements with these providers independently. If issues arise with a third-party service, address them directly with that provider, though we're happy to assist with coordination when appropriate.

These terms and conditions are governed by the laws of the state where your policy is issued and where you reside. Insurance regulations vary by state, and your policy complies with applicable local requirements. If any provision of these terms is found invalid or unenforceable, the remaining provisions continue in full effect. We may update these terms periodically to reflect legal changes, business practice adjustments, or service improvements. When significant changes occur, we notify policyholders through email or policy renewal documents, giving you time to review and respond before changes take effect.

Using our services constitutes acceptance of these terms and conditions as they exist at the time of use. If you disagree with any provision, your remedy is to discontinue using our services and cancel your policy according to the procedures outlined above. Continuing to use our website or maintain your policy after being notified of term changes indicates your acceptance of those changes. We appreciate your trust in CorInsured to protect your vehicle and are committed to honoring our obligations under these terms while providing excellent service throughout our relationship.