Terms & Conditions

A legal disclaimer

The information provided in these Terms and Conditions (T&C) is intended as a general overview of the rules governing the use of the Insurance Total USA website and services. It is not legal advice, nor should it be relied upon as a substitute for professional legal guidance. We cannot anticipate the specific terms or legal requirements applicable to every individual or jurisdiction. We strongly recommend consulting with a legal professional to ensure your rights and obligations are fully addressed under applicable laws. Insurance Total USA is not liable for any actions taken based on these T&C without proper legal consultation.

Terms & Conditions - the basics

These Terms and Conditions (“T&C”) are a set of legally binding terms established by Insurance Total USA, the owner of this website. They define the legal boundaries governing the activities of visitors, clients, and users while they interact with our website or engage with our services, such as requesting insurance quotes or contacting us for support. The T&C establish the legal relationship between you, the user, and Insurance Total USA, ensuring a clear understanding of rights and responsibilities.

Our website primarily provides information about insurance services (e.g., commercial auto, fleet, liability, home, and motorcycle insurance) and facilitates quote requests for clients across NC, SC, AL, VA, TN, GA, FL, and TX. As such, our T&C are tailored to protect both our business and our users, including Hispanic transportistas and local business owners, while offering support in Spanish and English. These terms may vary by jurisdiction, so we encourage you to seek local legal advice to ensure compliance with applicable laws in your area.

What We Include in Our Terms and Conditions

Our T&C are designed to provide clarity on the rules governing your use of our website and services. Here’s what we cover:

Eligibility to Use the Website: This website is intended for individuals and businesses seeking insurance services who are at least 18 years old and reside in NC, SC, AL, VA, TN, GA, FL, or TX. By using this site, you confirm you meet these criteria and agree to these T&C.
Services Provided: We offer information and quote request services for insurance products, including commercial auto, fleet, liability, home, and motorcycle insurance. We may connect you with third-party insurance providers to fulfill your requests, but we do not guarantee approval or specific terms for any insurance policy.
Changes to Services: Insurance Total USA reserves the right to modify, suspend, or discontinue any part of our website or services at any time, including the types of insurance products offered or the availability of quote requests, without prior notice.
User Responsibilities: You agree to provide accurate and complete information when requesting quotes or contacting us (e.g., name, email, business details). You are responsible for maintaining the confidentiality of any account information you create and for all activities under your account.
Intellectual Property: All content on this website, including text, logos, images, and design (e.g., the Insurance Total USA logo with the truck), is the property of Insurance Total USA and protected by copyright laws. You may not reproduce, distribute, or use our content without written permission.
Prohibited Activities: You may not use this website for illegal purposes, to submit false information, or to interfere with the site’s functionality (e.g., through hacking or spamming). We reserve the right to suspend or terminate access for users who violate these terms.
Limitation of Liability: Insurance Total USA is not liable for any damages arising from your use of this website, including but not limited to errors in quote information, service interruptions, or third-party actions. We provide no warranties, express or implied, regarding the accuracy or availability of our services.
Third-Party Links: Our website may contain links to third-party sites (e.g., insurance carriers). We are not responsible for the content, privacy practices, or terms of those sites.
Governing Law: These T&C are governed by the laws of the State of North Carolina, where our business is based. Any disputes arising from these terms will be resolved in the courts of Charlotte, NC, unless otherwise required by local law in your jurisdiction.
Updates to These T&C: We may update these T&C to reflect changes in our services or applicable laws. Updates will be posted here, with the last revision date noted below. Continued use of the website after updates constitutes acceptance of the revised terms.

For more details, please contact us at info@insurancetotalusa.com or call us at (855) 885-7426. Last Updated: June 1, 2025.