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Shipping Policy

1. Our Commitment to Efficient Delivery

At Insurance Total USA, we are dedicated to providing seamless and timely delivery of our services to clients across NC, SC, AL, VA, TN, GA, FL, and TX. Led by Mirla Moncada-Perez, a passionate Spanish entrepreneur and mom, we specialize in connecting you with insurance solutions—whether for commercial auto, fleet, liability, home, or motorcycle coverage. Our bilingual team supports you in Spanish and English, ensuring accessibility for Hispanic transportistas and local business owners alike. This Shipping Policy outlines how we deliver digital services (e.g., insurance quotes, consultation documents) and any physical items (e.g., promotional materials or policy documents), ensuring clarity and reliability in all our interactions.

2. Nature of Our Services and Deliverables

Insurance Total USA primarily offers digital services, such as providing insurance quotes and facilitating connections with third-party insurance providers. We do not sell physical products, but we may occasionally send physical items, such as printed insurance documentation, welcome kits, or promotional materials (e.g., branded pens or brochures), to clients who request them or as part of our service. Here’s what you can expect:

  • Digital Deliverables: Most of our services, including insurance quotes, consultation summaries, and referral information, are delivered digitally via email or through our website portal (if applicable). For example, a trucker in Miami, FL, requesting a commercial auto quote will receive it via email in PDF format.

  • Physical Deliverables: If you request physical copies of documents (e.g., a printed quote summary) or if we send promotional items (e.g., a welcome kit after signing up with a provider), these will be shipped to your provided address. Note that physical shipments are optional and not a core part of our service.

3. Delivery Timelines and Methods

We aim to deliver all services and items promptly, ensuring you can proceed with your insurance needs without delay. Here’s how we handle delivery:

  • Digital Delivery (Quotes, Documents):

    • Timeline: Insurance quotes and digital documents are typically delivered within 1-3 business days after your request, depending on the complexity of your needs and the response time of third-party providers. For example, a small business owner in Atlanta, GA, requesting a fleet insurance quote can expect an email response within this timeframe.

    • Method: We send digital deliverables to the email address you provide (e.g., info@insurancetotalusa.com for your own records). Ensure your email is correct to avoid delays. We are not responsible for delays due to incorrect email addresses or spam filters.

    • Confirmation: You’ll receive a confirmation email once your quote or document is sent, with a PDF attachment or a secure link to download the file.

  • Physical Delivery (Promotional Items, Printed Documents):

    • Timeline: If you request physical items, such as a printed quote or promotional materials, they will be shipped within 5-7 business days after your request is processed. Delivery typically takes an additional 3-5 business days within NC, SC, AL, VA, TN, GA, FL, and TX, depending on your location.

    • Method: We use trusted carriers like USPS or FedEx for physical shipments. You’ll receive a tracking number via email once the item is shipped.

    • Shipping Costs: There are no shipping fees for standard promotional items or requested documents within our service area. If expedited shipping is requested, additional fees may apply, which will be communicated upfront.

    • Address Accuracy: You are responsible for providing a correct shipping address. We are not liable for delays or losses due to incorrect addresses.

 

4. Issues with Delivery

We strive to ensure all deliveries are completed smoothly, but issues may occasionally arise. Here’s how we handle them:

  • Digital Delivery Issues: If you do not receive a digital deliverable (e.g., a quote) within the expected timeframe, please check your spam/junk folder first. If you still cannot find it, contact us at info@insurancetotalusa.com or (855) 885-7426 and we’ll resend it within 24 hours.

  • Physical Delivery Issues: If a physical item is lost, damaged, or delayed, please notify us within 14 days of the expected delivery date. We’ll work with the carrier to resolve the issue and, if necessary, resend the item at no additional cost. For example, if a welcome kit sent to a client in Houston, TX, is lost, we’ll replace it promptly.

  • Non-Delivery by Third Parties: If a third-party provider (e.g., an insurance carrier) fails to deliver policy documents after you’ve purchased a policy, you’ll need to contact them directly. Our bilingual team can assist in Spanish or English to help you navigate the process.

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5. Changes to This Policy

We may update this Shipping Policy to reflect changes in our services or applicable regulations. Updates will be posted here, with the last revision date noted below. We encourage you to review this policy periodically to stay informed. Last Updated: June 1, 2025.

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