Terms & Conditions

1. Acceptance of Terms

By accessing or using the CarWan Insure website, mobile applications, or services, you agree to be bound by these Terms and Conditions and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services.

We reserve the right to modify these terms at any time without prior notice. Your continued use of our services after changes are posted constitutes acceptance of those changes.

2. Insurance Services

2.1 Quote Accuracy

Insurance quotes provided through our website or agents are estimates based on the information you provide. Final premium rates may vary based on underwriting review, credit checks, driving history verification, and other factors.

2.2 Policy Issuance

All insurance policies are subject to underwriting approval. We reserve the right to decline coverage or modify coverage terms based on our underwriting guidelines and applicable regulations.

2.3 Coverage Limitations

Insurance coverage is subject to the terms, conditions, exclusions, and limitations specified in your policy documents. Please review your policy carefully and contact your agent if you have questions.

• Coverage begins only after payment is received and processed
• All claims are subject to policy terms and investigation
• Fraudulent claims will result in policy cancellation and legal action

3. Account Terms

3.1 Account Creation

To purchase insurance or access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Maintain the security of your password and account
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

3.2 Account Termination

We reserve the right to terminate or suspend your account at any time for violations of these terms, fraudulent activity, or for any other reason at our discretion.

4. Payment Terms

4.1 Premium Payments

You agree to pay all premiums and fees associated with your insurance policy. Payment must be made by the due date to maintain continuous coverage. Available payment methods include:

1. Credit or debit card
2. Electronic bank transfer (ACH)
3. Check or money order
4. Automatic recurring payments

4.2 Late Payments

Failure to pay premiums by the due date may result in policy cancellation. We provide a grace period as required by state law, during which coverage continues. Late payment fees may apply.

4.3 Refunds

Refunds for cancelled policies are calculated according to state regulations and policy terms. Refunds are typically processed within 30 days of cancellation.

5. Limitation of Liability

To the maximum extent permitted by law:

• CarWan Insure shall not be liable for any indirect, incidental, special, consequential, or punitive damages
• Our total liability shall not exceed the amount of premiums paid by you in the past 12 months
• We are not responsible for delays or failures due to circumstances beyond our control
• We do not guarantee uninterrupted or error-free service

Website Use

Our website and services are provided "as is" without warranties of any kind. We do not warrant that the website will be available, error-free, or free from viruses or other harmful components.

6. Policy Cancellation and Termination

6.1 Cancellation by You

You may cancel your insurance policy at any time by contacting us. Cancellation will be effective as of the date specified in your cancellation request, subject to state regulations.

6.2 Cancellation by Us

We may cancel your policy for the following reasons:

• Non-payment of premiums
• Fraud or material misrepresentation
• Suspension or revocation of your driver's license
• Substantial increase in risk
• Other reasons permitted by state law

We will provide advance notice of cancellation as required by applicable state laws, typically 10 to 30 days depending on the reason for cancellation.

7. Governing Law and Dispute Resolution

7.1 Governing Law

These terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Your insurance policy may be governed by the laws of your state of residence.

7.2 Dispute Resolution

Any disputes arising from these terms or our services shall be resolved through:

1. Good faith negotiations between the parties
2. Mediation, if negotiations fail
3. Binding arbitration or court proceedings, as permitted by law

7.3 Contact Information

For questions about these terms or to resolve disputes, contact us at: