Terms & Conditions
Read our service terms and agreements for home insurance
Our Terms & Conditions for Auto Insurance
1. Use of Services
Customers must provide accurate driver, vehicle, and contact information when requesting auto insurance quotes or services. Any misrepresentation may result in denial of coverage.
2. Policy Agreement
All auto insurance policies are subject to underwriting approval. Coverage details, limits, and exclusions are defined in the issued policy document.
3. Premium Payment & Renewal
Premiums must be paid on time to maintain active coverage. Policy renewals are subject to review and updated premium rates.
4. Claims Submission
All claims must be reported promptly with complete and truthful information. Fraudulent or misleading claims are strictly prohibited.
5. Limitation of Liability
FowlerInsure is not responsible for indirect, incidental, or consequential damages arising from the use of our website or services.
6. Modifications to Terms
We reserve the right to modify these terms at any time. Continued use of our services implies acceptance of updated terms.
7. Customer Responsibilities
Customers are responsible for maintaining accurate account details and notifying us of any changes affecting coverage.
8. Claim Processing Time
Claim processing times may vary based on accident complexity, investigations, and documentation provided.
9. Coverage Limitations
Certain incidents, damages, or driver behaviors may not be covered. Refer to your policy for exclusions and conditions.
10. Third-Party Providers
We may work with licensed insurers, repair facilities, and roadside assistance providers to deliver services efficiently.
11. Data Privacy
All personal data is handled in accordance with our Privacy Policy. FowlerInsure does not sell customer data.
12. Policy Updates
Auto insurance policies may be updated periodically to reflect regulatory or coverage changes.
13. Policy Cancellation
Customers may cancel their policy as per policy terms. Refunds, if applicable, are calculated according to usage and regulations.
14. Discounts & Savings
Discounts may be available for safe drivers, multi-policy bundles, vehicle safety features, and long-term customers.