Terms of Use

1. Acceptance of Terms

Welcome to 24 Hour Auto Insurance ("we," "our," or "us"). These Terms of Use ("Terms") govern your access to and use of the 24autoinsurance.website website (the "Site") and our services. By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, do not use the Site.

2. Description of Services

24 Hour Auto Insurance provides:

• Insurance Directory: A searchable directory of auto insurance providers across the United States
• Quote Comparison Service: A platform to compare auto insurance quotes from multiple providers through our partner network including MediaAlpha
• Educational Content: Blog articles and resources about auto insurance
• Business Listings: A service for insurance agencies to list their businesses in our directory

3. Eligibility

You must be at least 18 years old to use our Services. By using the Site, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

4. User Responsibilities

4.1 Accurate Information

You agree to provide accurate, current, and complete information when:

• Requesting insurance quotes
• Submitting business listings
• Communicating with us or insurance providers

4.2 Prohibited Conduct

You agree not to:

• Use the Site for any unlawful purpose or in violation of these Terms
• Provide false or misleading information
• Impersonate any person or entity
• Interfere with or disrupt the Site or servers
• Attempt to gain unauthorized access to any part of the Site
• Use automated systems (bots, scrapers) to access the Site without permission
• Transmit viruses, malware, or other harmful code
• Harass, abuse, or harm other users or insurance providers
• Collect user information without consent
• Use the Site to spam or send unsolicited communications

5. Insurance Quotes and Third-Party Services

5.1 No Insurance Sales

We do not sell insurance policies. We are a lead generation and directory service that connects users with insurance providers. We are not an insurance company, broker, or agent.

5.2 Third-Party Relationships

When you request a quote through our Site:

• Your information is shared with our partner MediaAlpha and participating insurance providers
• You may be contacted by insurance companies, agents, or brokers
• Any insurance policy you purchase is between you and the insurance provider
• We are not responsible for the actions, products, or services of third-party insurance providers

5.3 Quote Accuracy

Insurance quotes displayed on our Site are estimates only. Actual rates may vary based on:

• Complete underwriting review
• Additional information provided
• Credit history and driving record
• Policy terms and coverage options

6. Business Listings

6.1 Listing Submissions

If you submit a business listing:

• You represent that you have authority to submit the listing
• You warrant that all information is accurate and current
• You agree to update your listing if information changes
• We reserve the right to reject, remove, or modify any listing

6.2 Listing Display

We do not guarantee:

• That your listing will be displayed in any particular manner or position
• Any specific amount of traffic or leads
• Continuous availability of your listing

7. Intellectual Property

7.1 Our Content

All content on the Site, including text, graphics, logos, images, and software, is owned by or licensed to 24 Hour Auto Insurance and is protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or branding without authorization
• Create derivative works based on our content

7.2 User Content

By submitting content to our Site (including business listings, reviews, or comments), you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, publish, and distribute that content in connection with our Services.

8. Disclaimers

8.1 "As Is" Service

THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of accuracy, reliability, or completeness
• Warranties of non-infringement
• Warranties that the Site will be uninterrupted or error-free

8.2 No Professional Advice

Information on our Site is for general informational purposes only and does not constitute professional insurance, legal, or financial advice. Consult with qualified professionals for advice specific to your situation.

8.3 Third-Party Content

We are not responsible for the accuracy, completeness, or reliability of:

• Business listings submitted by insurance agencies
• Quotes or information provided by insurance providers
• Content on third-party websites linked from our Site

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, 24 HOUR AUTO INSURANCE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from your use or inability to use the Site
• Damages arising from third-party conduct or content
• Damages arising from insurance policies or services obtained through our Site

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED $100 OR THE AMOUNT YOU PAID US IN THE PAST 12 MONTHS, WHICHEVER IS GREATER.

10. Indemnification

You agree to indemnify, defend, and hold harmless 24 Hour Auto Insurance and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the Site
• Your violation of these Terms
• Your violation of any rights of others
• Any content you submit to the Site

11. TCPA Consent

By submitting your phone number through our Site, you expressly consent to receive:

• Telephone calls and text messages from us, our partners, and insurance providers
• Calls using automated telephone dialing systems or artificial/prerecorded voices
• Marketing and promotional communications

You understand that:

• Your consent is not required to purchase insurance or use our services
• You may revoke consent at any time by contacting us
• Message and data rates may apply

12. Links to Third-Party Sites

Our Site may contain links to third-party websites. These links are provided for convenience only. We do not endorse or control third-party sites and are not responsible for their content, privacy practices, or terms of use.

13. Modifications to the Site and Terms

13.1 Site Modifications

We reserve the right to modify, suspend, or discontinue any aspect of the Site at any time without notice.

13.2 Terms Modifications

We may update these Terms from time to time. Material changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Site after changes are posted constitutes acceptance of the modified Terms.

14. Termination

We reserve the right to terminate or suspend your access to the Site at any time, with or without cause or notice, for conduct that we believe:

• Violates these Terms
• Harms us, other users, or third parties
• Violates applicable laws

15. Governing Law and Dispute Resolution

15.1 Governing Law

These Terms are governed by the laws of the United States and the state in which our business is located, without regard to conflict of law principles.

15.2 Dispute Resolution

Any dispute arising from these Terms or your use of the Site shall be resolved through:

1. Informal Resolution: Contact us first to attempt informal resolution
2. Binding Arbitration: If informal resolution fails, disputes shall be resolved through binding arbitration in accordance with the American Arbitration Association rules

15.3 Class Action Waiver

You agree that disputes will be resolved on an individual basis only. You waive any right to bring or participate in class actions, class arbitrations, or representative actions.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and 24 Hour Auto Insurance regarding your use of the Site.

18. Contact Information

If you have questions about these Terms, please contact us:

• Email: [email protected]
• Website: 24autoinsurance.website

19. Acknowledgment

BY USING OUR SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE AND AGREE TO BE BOUND BY THEM.