Welcome to JWInsure. When you use our services or buy insurance from us, you agree to follow these terms. Please read them carefully because they explain how our relationship works and what we both need to do. These terms are like a contract between you and JWInsure. They cover everything about how you can use our website, get quotes, buy insurance, and work with us. If something in these terms does not make sense, reach out and we will explain it better.
By using our website or signing up for coverage, you are saying that you understand and agree to these terms. If you do not agree with something here, please do not use our services. You can use our website to look at coverage options, get quotes, manage your policy, file claims, and contact us with questions. Everything you see here is for personal use only. However, there are certain things you should not do. Do not try to hack our website or mess with how it works. Do not copy our content and pretend it is yours. Do not use automated tools to scrape data or spam our systems. Do not create fake accounts or give us false information. Basically, treat our website the way you would want others to treat yours.
When you ask for a quote, the price we give you is based on what you tell us. If the information turns out to be wrong or incomplete, your actual rate might be different. A quote is not a guarantee of coverage until we officially approve your application. You need to give us accurate details about yourself, your driving record, and your vehicle. If you lie or leave out important facts, we might cancel your coverage or deny claims. This is serious because insurance depends on trust and honesty from both sides.
You must be old enough to legally enter a contract in your state. You need a valid driver license. Your vehicle must be registered and in good working condition. If you do not meet these basic requirements, we cannot provide coverage. We accept credit cards, debit cards, and electronic bank transfers. You can choose to pay monthly, quarterly, or annually depending on what works for your budget. Your first payment is due when you sign up. After that, payments are due on the date shown in your policy documents. If you set up automatic payments, make sure your payment method stays valid and has enough funds.
If you miss a payment, we will send you a reminder. You usually have a grace period to catch up without losing coverage. But if you still do not pay, your policy might get canceled. Once canceled, you will need to reapply and might face higher rates. Life changes and so should your coverage. You can update your policy anytime by contacting us. Common changes include adding or removing vehicles, changing your address, adjusting coverage limits, or adding drivers. Some changes might increase or decrease your premium. We will let you know the cost difference before finalizing any updates. Changes usually take effect within 24 hours of approval.
Report accidents and damage as soon as possible. You can file online, through our phone line, or by visiting an office. The faster you report, the faster we can help. Give us all the details about what happened. Take photos of damage if you can. Get contact information from other drivers involved. Cooperate with our investigation and provide any documents we ask for. We review every claim fairly based on your coverage and what happened. Sometimes we approve the full amount. Sometimes we might pay less if certain conditions apply. And sometimes we have to deny claims that are not covered. We will always explain our decision clearly.
You can cancel anytime by letting us know in writing or through your online account. Depending on when you cancel and how you paid, you might get a refund for unused coverage. Just make sure you have new insurance lined up first so you are not driving without protection. We can cancel your policy if you do not pay, if you lied on your application, or if you do something that makes you too risky to insure. We will give you advance notice unless the situation is really serious.
We promise to review your application fairly and quickly. We will clearly explain your coverage so you know what is protected. When you have a valid claim, we will process it as fast as possible. We will keep your personal information secure and private. But we are not responsible for things outside our control like natural disasters affecting our offices, technology failures, or problems caused by third parties. We also cannot control what happens after you leave our website through links to other sites.
Keep your information up to date. Pay your premiums on time. Drive safely and follow traffic laws. Report accidents quickly. Be honest in all your dealings with us. Keep your policy documents somewhere safe where you can find them. Your policy has coverage limits that cap how much we will pay for claims. These limits are clearly stated in your policy documents. Make sure you understand them and choose limits that give you enough protection. We only cover things specifically listed in your policy. If something is not covered, we cannot pay for it no matter how unfortunate the situation. That is why it is important to read your policy carefully and ask questions about anything unclear.
If you have a problem with us, let us know right away so we can try to fix it. Most issues can be solved through a simple conversation with our customer service team. If we cannot work it out directly, we both agree to try mediation first before going to court. This saves time and money for everyone. Only if mediation fails would we move forward with legal action. We collect information about you to provide coverage and process claims. We keep this data secure and do not sell it to random companies. Check our Privacy Policy for full details about how we handle your information.
Sometimes we need to update these terms to reflect new laws, services, or business practices. When we make important changes, we will notify you by email or through your online account. Your continued use of our services after changes means you accept the new terms. If you have questions about these terms or need clarification on anything, please contact us. We would rather explain something upfront than have confusion later. You can reach us by phone at +1 (408) 877-9851 or email at [email protected].