Terms & Conditons
Effective Date: January 1, 2025
Welcome to CarSecurePlan. These Terms and Conditions govern your use of our website, quote tools, and insurance services. By accessing our website or purchasing a policy from us, you agree to be bound by these terms. If you do not agree, please do not use our services.
1. Acceptance of Terms
By using the CarSecurePlan website and services, you represent that you are at least eighteen years old and capable of entering into a legally binding agreement. You agree to comply with all applicable laws and regulations regarding your use of our services.
2. Insurance Quotes and Applications
All insurance quotes provided through our website are estimates based on the information you provide. Quotes are not binding offers of coverage. Final premiums and coverage terms are determined by the insurance carrier after underwriting review.
Providing false or inaccurate information on an insurance application may result in:
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Denial of coverage
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Cancellation of your policy
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Denial of claims
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Legal penalties for fraud
You are responsible for reviewing your policy documents carefully upon receipt. Please contact us immediately if any information is incorrect.
3. Policy Terms
Your insurance policy is a legal contract between you and the insurance carrier. CarSecurePlan acts as an intermediary and is not the insurer. The specific terms, coverages, limits, deductibles, and exclusions are detailed in your policy documents.
Important policy provisions include:
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Coverage only applies to vehicles and drivers listed on the policy
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You must report claims promptly as specified in your policy
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Premiums may change at renewal based on claims, driving record, and other factors
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Policy cancellation terms vary by state and carrier
Please read your complete policy carefully. In the event of any conflict between these Terms and Conditions and your insurance policy, your policy documents control.
4. Payments and Billing
By purchasing a policy through CarSecurePlan, you authorize us to charge your provided payment method for all applicable premiums, fees, and taxes.
Payment Terms:
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Premiums are due as specified in your payment schedule
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Late payments may result in policy cancellation
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Returned payments may incur fees
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You are responsible for keeping your payment information current
Refunds:
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Refunds for cancelled policies are governed by your insurance carrier’s rules and state regulations
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Unearned premiums are typically refunded on a pro rata basis
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Some policies may charge cancellation fees
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CarSecurePlan service fees may be non refundable
5. Claims Process
To file a claim, contact our 24/7 claims hotline or use our online claims portal. You must provide accurate and complete information about the incident.
Claims Responsibilities:
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Cooperate fully with the claims investigation
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Provide requested documentation promptly
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Do not admit fault or settle claims without carrier approval
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Protect damaged property from further loss
Claims decisions are made by the insurance carrier, not CarSecurePlan. We will advocate on your behalf but cannot guarantee claim outcomes.
6. User Conduct
When using our website and services, you agree not to:
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Provide false or misleading information
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Use our services for illegal purposes
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Attempt to gain unauthorized access to our systems
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Interfere with the operation of our website
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Scrape, copy, or mine data from our site without permission
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Transmit viruses, malware, or harmful code
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Harass, abuse, or threaten our employees or agents
Violation of these terms may result in termination of your access and legal action.
7. Intellectual Property
All content on the CarSecurePlan website including text, graphics, logos, icons, images, and software is the property of CarSecurePlan or our licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not:
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Reproduce, distribute, or modify our content without permission
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Use our trademarks or logos without written consent
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Frame or mirror our website on another site
You may download or print a copy of content for your personal, non-commercial use related to obtaining insurance.
8. Limitation of Liability
To the fullest extent permitted by law, CarSecurePlan shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including but not limited to:
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Loss of profits, data, or business opportunities
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Costs of substitute services
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Emotional distress or inconvenience
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Damages arising from denied or delayed claims
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Losses caused by insurance carrier actions or insolvency
Our total liability to you shall not exceed the total fees you paid to CarSecurePlan in the six months preceding the event giving rise to the claim.
Some states do not allow certain limitations of liability, so some of these limitations may not apply to you.
9. Disclaimer of Warranties
Our services are provided on an as is and as available basis. CarSecurePlan makes no representations or warranties of any kind, express or implied, including:
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Warranties of merchantability or fitness for a particular purpose
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That our website will be uninterrupted, error free, or secure
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That quotes or information will be accurate or complete
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That any insurance carrier will accept your application or pay your claim
We do not guarantee specific coverage, premiums, or claim outcomes.
10. Indemnification
You agree to indemnify, defend, and hold harmless CarSecurePlan, our employees, agents, and affiliates from any claims, damages, losses, liabilities, and expenses arising from:
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Your violation of these Terms and Conditions
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Your use of our services
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Your violation of any third party rights including insurance carriers
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Any false or inaccurate information you provide
11. Third Party Links
Our website may contain links to third party websites or services. We do not control or endorse these external sites and are not responsible for their content, privacy practices, or terms. Access them at your own risk.
12. Termination
We may terminate or suspend your access to our services immediately, without prior notice, for any reason including violation of these Terms and Conditions. Upon termination, your right to use our services ceases immediately. Provisions that by their nature should survive termination shall survive.
13. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of [Your State], without regard to its conflict of law principles. Any legal action or proceeding arising from these terms shall be brought exclusively in the state or federal courts located in [Your County, Your State].
14. Dispute Resolution
We encourage you to contact us first to resolve any disputes. If we cannot resolve a dispute informally, you agree to resolve any claims through binding arbitration rather than in court, unless your claim qualifies for small claims court.
Class action lawsuits and class wide arbitrations are not permitted. You agree to bring claims only in your individual capacity.
To initiate arbitration, you must send a written notice to our Legal Department describing your claim. Arbitration will be conducted by the American Arbitration Association under its consumer arbitration rules.
15. Severability
If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
16. Entire Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and CarSecurePlan regarding your use of our website and services. They supersede any prior agreements or understandings.
17. Changes to Terms
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to this page. Your continued use of our services after changes are posted constitutes your acceptance of the revised terms. Please review this page periodically for updates.