Terms and Conditions

Welcome to rsclarkins auto insurance services. By accessing our website, mobile applications, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. These terms constitute a legally binding agreement between you and rsclarkins, governing your use of our platform and services. If you do not agree with any part of these terms, you must immediately discontinue use of our services and refrain from accessing our platform.

Your acceptance of these terms occurs automatically upon your first use of our services, whether by browsing our website, creating an account, requesting a quote, or purchasing an insurance policy. This agreement applies to all users of our services, including visitors, registered users, policyholders, and anyone who accesses our content or features. We reserve the right to modify these terms at any time, and your continued use of our services after such modifications constitutes acceptance of the updated terms.

These Terms and Conditions work in conjunction with our Privacy Policy and any other legal notices published on our platform. Together, these documents form the complete agreement between you and rsclarkins regarding your use of our services. Additional terms may apply to specific features or services, and you will be notified of such terms when accessing those features. By proceeding to use our services, you confirm that you are at least eighteen years of age and have the legal capacity to enter into this binding agreement.

Our services are designed specifically for individuals seeking auto insurance coverage for their personal vehicles. You may use our platform to obtain insurance quotes, compare coverage options, purchase policies, manage your account, file claims, and access various insurance-related resources. We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our services for these lawful purposes in accordance with these Terms and Conditions.

You agree to use our services only for their intended purpose and in compliance with all applicable laws and regulations. This includes providing accurate and truthful information when requesting quotes, applying for coverage, or filing claims. You must not attempt to manipulate the quoting system, provide false information to obtain lower rates, or misrepresent your driving history or vehicle details. Any attempt to defraud our system or obtain coverage under false pretenses may result in policy cancellation and potential legal action.

When using our platform, you must respect the rights of other users and refrain from any behavior that could harm, disable, or impair our services. This includes refraining from uploading viruses or malicious code, attempting to gain unauthorized access to our systems, scraping or harvesting data from our website, interfering with security features, or using automated systems to access our services without permission. We monitor our platform for suspicious activity and reserve the right to terminate access for users who violate these usage terms.

To access certain features of our services, you must create a user account by providing accurate, current, and complete information during the registration process. When creating an account, you will be asked to provide personal information including your name, email address, phone number, and other details necessary for insurance purposes. You agree that all information you provide during registration and throughout your use of our services will be true, accurate, and kept up to date.

You are responsible for maintaining the confidentiality of your account credentials, including your username and password. You must not share your login information with anyone else or allow others to access your account. All activities that occur under your account are your responsibility, and you agree to notify us immediately of any unauthorized use or security breach. We recommend using a strong, unique password and enabling any additional security features we offer to protect your account.

You may only create one account per individual, and that account must be in your real name. Creating multiple accounts, impersonating another person, or using false identities is strictly prohibited and may result in immediate account termination. We reserve the right to suspend or terminate accounts that violate these registration requirements, provide false information, or engage in fraudulent activity. Upon termination, your right to access and use our services immediately ceases, though certain provisions of these terms will continue to apply.

All insurance policies purchased through rsclarkins are subject to the specific terms, conditions, exclusions, and limitations outlined in your policy documents. When you purchase a policy, you will receive comprehensive documentation detailing your coverage limits, deductibles, excluded events, and all other policy terms. It is your responsibility to carefully review these documents and understand what is and is not covered by your policy. Your insurance coverage becomes effective only after we have received and processed your payment and issued your policy documents.

Coverage limits represent the maximum amount we will pay for covered losses during your policy period. You select these limits when purchasing your policy, and they determine your premium costs. Deductibles are the amounts you must pay out of pocket before your coverage applies to a claim. Standard exclusions apply to all policies and may include intentional damage, wear and tear, mechanical breakdowns, racing activities, and losses occurring while driving under the influence of alcohol or drugs. Additional exclusions may apply based on your specific policy type and coverage selections.

Your policy coverage applies only to the vehicles and drivers specifically listed on your policy documents. If you acquire a new vehicle, add a driver to your household, or make significant modifications to your insured vehicle, you must notify us immediately to update your policy. Failure to report these changes may result in denied claims or policy cancellation. Your policy remains in effect only while premiums are paid in full and on time, and while you comply with all policy terms and conditions. We reserve the right to non-renew or cancel policies in accordance with state regulations and policy terms.

Insurance premiums must be paid in accordance with the payment schedule outlined in your policy documents. We offer various payment options including monthly, quarterly, semi-annual, and annual payment plans. When you select a payment plan, you authorize us to charge your designated payment method on the scheduled payment dates. Your initial premium payment is due before your coverage begins, and subsequent payments are due on the dates specified in your billing schedule.

We accept payment through multiple methods including credit cards, debit cards, electronic bank transfers, and other payment processors. When you provide payment information, you represent and warrant that you are authorized to use that payment method and that the information you provide is accurate and complete. You authorize us to charge your payment method for all amounts due under your policy, including premiums, fees, and any additional charges that may apply to your coverage.

If a payment fails or is returned for any reason, we will attempt to notify you and provide an opportunity to resolve the payment issue. However, continued non-payment may result in late fees, policy cancellation, and potential reporting to credit bureaus or collection agencies. Some payment plans include installment fees or interest charges, which will be clearly disclosed before you select your payment option. If you wish to change your payment method or payment schedule, you must contact us in advance to make arrangements and ensure uninterrupted coverage.

If you experience a covered loss or incident, you must notify us as soon as reasonably possible by contacting our claims department through the methods provided in your policy documents. Prompt notification is essential for proper investigation and processing of your claim. When reporting a claim, you must provide accurate and complete information about the incident, including the date, time, location, circumstances, parties involved, and any witnesses or police reports. Failure to report claims promptly or providing false information may result in claim denial or policy cancellation.

Once you file a claim, we will assign a claims adjuster to investigate the incident and determine coverage. You are required to cooperate fully with our investigation, which may include providing documentation, photographs, repair estimates, medical records, and sworn statements. You must also permit inspection of your vehicle and allow us to obtain relevant records from third parties. We reserve the right to deny claims that do not meet policy requirements, fall outside coverage terms, or involve fraudulent activity. Our liability is limited to the actual cash value or replacement cost of covered losses, subject to your policy limits and deductibles.

You must not authorize repairs or incur expenses without our approval except for emergency measures necessary to prevent further damage. We have the right to inspect damaged property before repairs are made and to select repair facilities or methods we deem appropriate. If you disagree with our claim decision, you may follow the dispute resolution procedures outlined in your policy documents. All claims are subject to investigation for fraud, and we cooperate with law enforcement agencies when fraudulent activity is suspected. Submitting a fraudulent claim is a crime and may result in prosecution, policy cancellation, and denial of all benefits.

You have the right to cancel your insurance policy at any time by providing written notice to our customer service department. The cancellation will take effect on the date specified in your notice or the date we receive your request, whichever is later. If you cancel your policy, you may be entitled to a refund of unearned premium calculated on a pro-rata basis, minus any cancellation fees or outstanding amounts due. However, if you cancel within the first policy period, different refund rules may apply as outlined in your policy documents.

We also reserve the right to cancel or non-renew your policy in accordance with applicable state laws and regulations. Common reasons for cancellation include non-payment of premiums, material misrepresentation or fraud on your application, license suspension or revocation, significant changes in risk that make your vehicle uninsurable, or violations of policy terms. If we cancel your policy, we will provide the notice required by your state law, typically ranging from ten to thirty days. You will receive a refund of any unearned premium calculated according to state regulations.

In some cases, your policy may be cancelled immediately without advance notice, such as when we discover fraud or material misrepresentation. If your policy is cancelled for non-payment, coverage terminates on the date specified in the cancellation notice, and you will not be entitled to a refund of any premium paid. After cancellation, you remain responsible for all premiums and fees incurred up to the effective cancellation date. Cancellation does not affect claims for incidents that occurred while your policy was in force, and we will continue to process such claims according to the policy terms that were in effect at the time of the incident.

When using our services, you must refrain from engaging in any activities that violate these Terms and Conditions, applicable laws, or the rights of others. Prohibited activities include but are not limited to providing false, misleading, or inaccurate information in applications, quotes, or claims; attempting to defraud our company or manipulate our systems for personal gain; using our services for any illegal purpose or in violation of insurance regulations; impersonating another person or entity; and sharing your account credentials or allowing unauthorized access to your account.

You must not engage in any conduct that could damage, disable, overburden, or impair our services or interfere with other users' access and enjoyment of our platform. This includes uploading or transmitting viruses, worms, or malicious code; conducting denial-of-service attacks; attempting to gain unauthorized access to our systems, networks, or data; using automated scripts, bots, or spiders to access our services; reverse engineering, decompiling, or disassembling our software; and harvesting or collecting information about other users without permission.

Additionally, you may not use our services to send spam, unsolicited communications, or engage in any marketing activities without our explicit permission. You must not copy, reproduce, distribute, or create derivative works from our content without authorization. Violation of these prohibited activities may result in immediate termination of your account, cancellation of your insurance policy, denial of claims, and potential legal action. We reserve the right to report illegal activities to law enforcement authorities and cooperate fully with any investigations.

All content, features, and functionality available through our services, including but not limited to text, graphics, logos, images, videos, software, code, data compilations, and the overall design and layout of our platform, are owned by rsclarkins or our licensors and are protected by copyright, trademark, patent, and other intellectual property laws. The rsclarkins name, logo, and all related marks are trademarks owned by us, and you may not use these marks without our prior written permission.

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our services for personal, non-commercial purposes in accordance with these Terms and Conditions. This license does not give you any ownership rights to our intellectual property or content. You may not copy, modify, distribute, sell, lease, or reverse engineer any part of our services or content without explicit written authorization. You may not frame or utilize framing techniques to enclose our content, use meta tags or other hidden text utilizing our names or trademarks, or deep-link to our site without permission.

If you believe that content on our platform infringes your intellectual property rights, please contact us immediately with detailed information about the alleged infringement. We respect the intellectual property rights of others and will investigate all legitimate complaints. Conversely, if you submit any content, feedback, or suggestions to us through our platform, you grant us a perpetual, worldwide, royalty-free license to use, reproduce, modify, and incorporate that content into our services without attribution or compensation.

Our services and all content, features, and functionality are provided on an as-is and as-available basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We make no warranty that our services will meet your requirements, be uninterrupted, timely, secure, or error-free, or that any defects will be corrected.

While we strive to provide accurate and up-to-date information, we make no representations or warranties about the accuracy, completeness, reliability, or suitability of any information, content, or services provided through our platform. Insurance quotes provided through our website are estimates based on the information you provide and are subject to verification and final underwriting approval. Actual premiums and coverage terms may differ from initial quotes based on our review of your application and supporting documentation.

We do not warrant that our services will be compatible with all devices, browsers, or operating systems, or that our platform will be free from viruses or other harmful components. You acknowledge that your use of our services is at your own risk, and you are solely responsible for any damage to your device or loss of data that results from using our services. Some jurisdictions do not allow limitations on implied warranties, so some of these disclaimers may not apply to you depending on your location.

To the maximum extent permitted by applicable law, rsclarkins and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our services, including but not limited to loss of profits, loss of data, loss of goodwill, service interruption, computer damage, or system failure. This limitation applies regardless of the legal theory on which the claim is based, whether in contract, tort, negligence, strict liability, or otherwise.

Our total liability to you for all claims arising from or related to these Terms and Conditions or your use of our services shall not exceed the total amount of premiums you paid to us during the twelve months preceding the event giving rise to the claim. This limitation applies even if we have been advised of the possibility of such damages and even if a remedy fails of its essential purpose. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so these limitations may not apply to you.

Nothing in these Terms and Conditions excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law. Our liability for claims covered under your insurance policy is governed solely by the terms of that policy and applicable insurance law. These general limitations of liability apply only to claims arising from the operation of our platform and services, not to claims properly made under your insurance coverage.

You agree to defend, indemnify, and hold harmless rsclarkins and its officers, directors, employees, agents, affiliates, and partners from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from or related to your use or misuse of our services, your violation of these Terms and Conditions, your violation of any rights of another party, or any content you submit through our platform.

This indemnification obligation includes but is not limited to claims arising from false or misleading information you provide in insurance applications or claims, fraudulent activity conducted through your account, unauthorized use of our services through your account credentials, violation of intellectual property rights, breach of applicable laws or regulations, and any actions or omissions that cause harm to rsclarkins or third parties. You acknowledge that this indemnification survives termination of your account and these Terms and Conditions.

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claims. You may not settle any claim that affects our rights or interests without our prior written consent. This indemnification is in addition to, and not in lieu of, any other indemnities or obligations you may have under your insurance policy or other agreements with us.

If a dispute arises between you and rsclarkins regarding these Terms and Conditions or your use of our services (excluding disputes covered by your insurance policy), we encourage you to first contact our customer service department to attempt an informal resolution. Many disputes can be resolved quickly through direct communication, and we are committed to working with you to find satisfactory solutions. If we cannot resolve the dispute informally, you agree that the dispute will be resolved through binding arbitration rather than in court, except as otherwise provided in these terms.

Any arbitration will be conducted by a neutral arbitrator in accordance with the rules of the American Arbitration Association. The arbitration will take place in the state where you reside or in a location mutually agreed upon. Each party will bear their own costs and expenses in the arbitration, including attorney fees, unless the arbitrator determines otherwise. The arbitrator's decision will be final and binding, and judgment on the award may be entered in any court having jurisdiction. You understand that by agreeing to arbitration, you waive your right to a trial by jury.

Notwithstanding the arbitration agreement, either party may seek injunctive or other equitable relief in court to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights. Additionally, disputes regarding the validity, enforceability, or scope of this arbitration agreement shall be determined by the arbitrator. This arbitration agreement does not apply to disputes properly brought under your insurance policy, which are subject to the dispute resolution procedures outlined in that policy and applicable insurance regulations.

These Terms and Conditions and your use of our services shall be governed by and construed in accordance with the laws of the state in which your insurance policy is issued, without regard to its conflict of law provisions. However, your insurance policy itself is governed by the insurance laws and regulations of your state, which may differ from the general terms governing use of our platform. To the extent any provision of these Terms and Conditions conflicts with applicable insurance law, the insurance law shall prevail.

For any disputes not subject to arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in the county where our principal office is located. You waive any objection to venue in these courts and any claim that these courts are an inconvenient forum. However, we retain the right to bring claims against you in the courts of the jurisdiction where you reside or where any breach or violation occurred.

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, it shall be severed from these terms. The remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision of these terms shall not constitute a waiver of that right or provision unless acknowledged in writing by us.

If you have any questions, concerns, or complaints regarding these Terms and Conditions or your use of our services, we encourage you to contact our customer service team. We are committed to addressing your concerns promptly and professionally. You can reach us by phone at +1 (470) 200-1811 during regular business hours, Monday through Friday. Our trained representatives are available to assist you with questions about these terms, your account, or any aspect of our services.

For written inquiries, you can email us at [email protected] and include detailed information about your question or concern. We strive to respond to all email inquiries within two business days, though complex matters may require additional time to research and resolve. When contacting us via email, please provide your account information and policy number (if applicable) to help us serve you more efficiently.

You may also send written correspondence to our physical address: 1755 North Brown Road, Lawrenceville, GA 30043. Please mark your correspondence "Attention: Customer Service" to ensure proper routing. For legal notices or formal complaints, please mark your correspondence "Attention: Legal Department." We value your feedback and take all inquiries seriously, working diligently to maintain positive relationships with our customers and uphold the highest standards of service.