Terms & Conditions

By accessing our website or using our services, you're entering into an agreement with PMInsure. We've written these terms to be as clear as possible because we believe you should understand what you're agreeing to. If anything here doesn't sit right with you, we'd encourage you to reach out and ask questions before proceeding.

These terms apply to everyone who visits our site, requests quotes, purchases policies, or interacts with our services in any way. They work together with our Privacy Policy to form the complete agreement between you and PMInsure.

PMInsure provides auto insurance products and related services. We offer quotes, policy management, claims support, and customer service through our website and communication channels. Our goal is to make auto insurance straightforward and accessible.

The quotes we provide are estimates based on the information you give us. Final policy terms and pricing may differ once we verify your details. We reserve the right to decline coverage or modify terms based on underwriting guidelines and applicable regulations.

When you use our services, you agree to provide accurate and complete information. This matters because insurance decisions depend on the details you share. Inaccurate information could affect your coverage or lead to claim denials.

You're also responsible for keeping your account secure. Choose a strong password and don't share your login credentials. If you suspect unauthorized access to your account, let us know immediately so we can help protect your information.

Each insurance policy you purchase comes with its own specific terms, conditions, and exclusions. Your policy documents are the definitive source for understanding your coverage. We encourage you to read them carefully and ask questions about anything unclear.

Premiums are due according to the payment schedule in your policy. Late payments may result in coverage lapses or policy cancellation. If your policy is cancelled for non-payment, you may need to go through a new application process to reinstate coverage.

Our website and its contents are protected by intellectual property laws. You're welcome to use the site for its intended purpose, but please don't copy, modify, or distribute our content without permission. The PMInsure name, logo, and related marks belong to us.

We work hard to keep our website running smoothly, but we can't guarantee uninterrupted access. Occasionally, we may need to perform maintenance or updates that temporarily affect availability. We're not liable for any inconvenience caused by technical issues beyond our control.

We provide our services and website on an as-is basis. While we strive for accuracy and reliability, we can't guarantee that everything will always be perfect. We're not liable for indirect, incidental, or consequential damages arising from your use of our services.

This doesn't affect your rights under your insurance policy or any statutory protections you may have. Our liability limitations apply only to the extent permitted by law in your jurisdiction.

We may update these terms from time to time as our services evolve or as legal requirements change. When we make significant changes, we'll post the updated terms on our website and update the revision date at the top of this page.

Your continued use of our services after changes are posted means you accept the updated terms. If you disagree with any changes, you should stop using our services and contact us to discuss your concerns or cancel your account.

These terms are governed by the laws of the state where PMInsure is registered, without regard to conflict of law principles. Any disputes arising from these terms or your use of our services will be resolved in the courts of that jurisdiction.

If any provision of these terms is found to be unenforceable, the remaining provisions will continue to apply. Our failure to enforce any right or provision doesn't constitute a waiver of that right or provision.