Terms of Service

Agreement to Terms

By accessing and using the DriveSmart Insurance Solutions website and services, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

About Our Services

DriveSmart Insurance Solutions is a licensed independent insurance agency that:

• Provides insurance quotes from multiple carriers
• Assists with insurance policy purchases and management
• Files SR-22 certificates with state agencies
• Offers customer support and claims assistance
• Provides educational information about insurance

User Responsibilities

When using our services, you agree to:

• Provide accurate, complete, and truthful information
• Update your information when it changes
• Pay premiums and fees on time
• Comply with all applicable laws and regulations
• Not use our services for any illegal or unauthorized purpose
• Maintain the confidentiality of your account information

Insurance Quotes and Policies

Quote Accuracy

Insurance quotes provided are estimates based on information you provide. Final rates and coverage terms are subject to underwriting approval by the insurance carrier.

Policy Terms

Insurance policies are contracts between you and the insurance carrier. We act as an intermediary and are not responsible for policy terms, coverage decisions, or claims payments.

SR-22 Filing

We will file SR-22 certificates as requested, but you are responsible for ensuring compliance with all state requirements and maintaining continuous coverage.

Fees and Payments

• Insurance premiums are paid directly to insurance carriers
• We may charge service fees for certain transactions
• All fees will be disclosed before charging
• Payment methods include credit/debit cards and electronic transfers
• You authorize us to charge your payment method for applicable fees

Disclaimers

Service Availability

We strive to provide continuous service but cannot guarantee our website or services will always be available or error-free.

Insurance Advice

Information on our website is for general purposes only and should not be considered specific insurance or legal advice. Consult with qualified professionals for specific guidance.

Third-Party Services

We work with third-party insurance carriers and service providers. We are not responsible for their actions, policies, or service interruptions.

Limitation of Liability

To the fullest extent permitted by law, DriveSmart Insurance Solutions and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services, including but not limited to loss of profits, data, or business opportunities.

Intellectual Property

Our website content, including text, graphics, logos, and software, is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Termination

We may terminate or suspend your access to our services at any time for violation of these terms or for any other reason. You may discontinue using our services at any time.

Governing Law

These Terms of Service are governed by the laws of the State of California. Any disputes shall be resolved in the courts of California.

Changes to Terms

We may update these Terms of Service from time to time. Changes will be posted on this page with an updated effective date. Your continued use of our services constitutes acceptance of any changes.

Contact Information

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