Terms & Conditons
Effective Date: January 1, 2025
Welcome to 212 Auto Insurance. These Terms and Conditions govern your use of our website, quote tools, and insurance services. By accessing our website or purchasing a policy, you agree to be bound by these terms. If you do not agree, please do not use our services.
1. Acceptance of Terms
By using 212 Auto Insurance services, you represent that you are at least eighteen years old and legally capable of entering into a binding agreement. You agree to comply with all applicable laws and regulations.
2. Insurance Quotes and Applications
All insurance quotes provided through our website are estimates based on the information you provide. Quotes are not binding offers of coverage. Final premiums and coverage terms are determined by the insurance carrier after underwriting review.
Providing false or inaccurate information on an insurance application may result in:
Denial of coverage
Cancellation of your policy
Denial of claims
Civil or criminal penalties for fraud
You are responsible for reviewing your policy documents carefully. Contact us immediately if any information is incorrect.
3. Policy Terms
Your insurance policy is a legal contract between you and the insurance carrier. 212 Auto Insurance acts as an intermediary and is not the insurer. The specific terms, coverages, limits, deductibles, and exclusions are detailed in your policy documents.
Important policy provisions include:
Coverage applies only to vehicles and drivers listed on the policy
You must report claims promptly as specified in your policy
Premiums may change at renewal based on claims, driving record, and other factors
Policy cancellation terms vary by state and carrier
In the event of any conflict between these Terms and Conditions and your insurance policy, your policy documents control.
4. Payments and Billing
By purchasing a policy through 212 Auto Insurance, you authorize us to charge your provided payment method for all applicable premiums, fees, and taxes.
Payment Terms:
Premiums are due as specified in your payment schedule
Late payments may result in policy cancellation
Returned checks or failed payments may incur fees
You are responsible for keeping your payment information current
Refunds:
Refunds for cancelled policies follow your insurance carrier’s rules
Unearned premiums are typically refunded on a pro rata basis
Some policies may charge cancellation fees
212 Auto Insurance service fees may be non refundable
5. Claims Process
To file a claim, contact our 24/7 claims hotline or use our online claims portal. You must provide accurate and complete information about the incident.
Your Claims Responsibilities:
Cooperate fully with the claims investigation
Provide requested documentation promptly
Do not admit fault or settle claims without carrier approval
Protect damaged property from further loss
Claims decisions are made by the insurance carrier, not 212 Auto Insurance. We will advocate on your behalf but cannot guarantee claim outcomes.
6. User Conduct
When using our website and services, you agree not to:
Provide false, misleading, or incomplete information
Use our services for illegal purposes
Attempt to gain unauthorized access to our systems
Interfere with the normal operation of our website
Scrape, copy, or data mine our website without permission
Transmit viruses, malware, or harmful code
Harass, abuse, or threaten our employees or agents
Violation of these terms may result in termination of your access and legal action.
7. Intellectual Property
All content on the 212 Auto Insurance website including text, graphics, logos, icons, images, and software is our property or the property of our licensors. It is protected by copyright, trademark, and other intellectual property laws.
You may not:
Reproduce, distribute, or modify our content without written permission
Use our trademarks or logos without written consent
Frame or mirror our website on another site
You may download or print a copy of content for your personal, non commercial use related to obtaining insurance.
8. Limitation of Liability
To the fullest extent permitted by law, 212 Auto Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services including but not limited to:
Loss of profits, data, or business opportunities
Costs of substitute services
Emotional distress or inconvenience
Damages arising from denied or delayed claims
Losses caused by insurance carrier actions or insolvency
Our total liability to you shall not exceed the total fees you paid to 212 Auto Insurance in the six months preceding the event giving rise to the claim.
Some states do not allow certain liability limitations. Some of these limitations may not apply to you.
9. Disclaimer of Warranties
Our services are provided on an as is and as available basis. 212 Auto Insurance makes no representations or warranties of any kind, express or implied, including:
Warranties of merchantability or fitness for a particular purpose
That our website will be uninterrupted, error free, or secure
That quotes or information will be accurate or complete
That any insurance carrier will accept your application or pay your claim
We do not guarantee specific coverage, premiums, or claim outcomes.
10. Indemnification
You agree to indemnify, defend, and hold harmless 212 Auto Insurance, our employees, agents, and affiliates from any claims, damages, losses, liabilities, and expenses arising from:
Your violation of these Terms and Conditions
Your use of our services
Your violation of any third party rights including insurance carriers
Any false or inaccurate information you provide
11. Third Party Links
Our website may contain links to third party websites or services. We do not control or endorse these external sites. We are not responsible for their content, privacy practices, or terms. Access them at your own risk.
12. Termination
We may terminate or suspend your access to our services immediately, without prior notice, for any reason including violation of these Terms and Conditions. Upon termination, your right to use our services ceases immediately.
13. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. Any legal action arising from these terms shall be brought exclusively in the state or federal courts located in New York County, New York.
14. Dispute Resolution
We encourage you to contact us first to resolve any disputes informally. If we cannot resolve a dispute, you agree to resolve any claims through binding arbitration rather than in court, unless your claim qualifies for small claims court.
Class action lawsuits and class wide arbitrations are not permitted. You agree to bring claims only in your individual capacity.
15. Severability
If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary. The remaining provisions shall remain in full force and effect.
16. Entire Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and 212 Auto Insurance regarding your use of our services. They supersede any prior agreements.
17. Changes to Terms
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to this page. Your continued use of our services after changes are posted constitutes your acceptance of the revised terms.