Understanding our service agreement and your responsibilities
These terms explain how our services work and what you can expect when you work with us to find insurance coverage. By using our website or reaching out for quotes and advice, you're agreeing to these terms. We've written them in plain language so you know exactly what you're signing up for-no legal jargon or confusing clauses.
MBTInsure is an insurance agency that connects you with trusted insurance carriers. We don't actually provide the insurance policies ourselves-instead, we act as your advocate and guide, helping you compare options, understand coverage details, and choose policies that fit your needs and budget.
When you work with us, we'll gather information about what you're looking to insure, request quotes from multiple providers, and present you with the best options available. Our goal is to make the process easier and less overwhelming so you can make an informed decision with confidence.
For us to help you effectively, we need accurate information. That means providing truthful details about yourself, what you're insuring, your claims history, and anything else relevant to getting you a quote. If the information you provide is incomplete or incorrect, it could affect your coverage or pricing-and in some cases, the insurance company might deny a claim.
You're also responsible for reviewing the policies we recommend, asking questions if anything is unclear, and making sure you understand what you're buying before you commit. Once you purchase a policy, you'll need to follow the terms set by the insurance carrier, including paying premiums on time and notifying them of any changes that might affect your coverage.
Users are responsible for safeguarding their credentials, and any unauthorized access resulting from failure to do so will be attributed to them.
While we do our best to find you great coverage, we can't guarantee that every insurance company will approve your application or offer you a specific rate. Insurance carriers make their own underwriting decisions based on factors like your age, health, driving record, credit score, and claims history-many of which are beyond our control.
We also can't be held responsible for errors made by insurance companies, delays in processing applications, or disputes between you and your insurer. If something goes wrong with your policy or a claim, you'll need to work directly with the insurance carrier to resolve it, though we're always here to help advocate for you when we can.
Our services are free for you. We earn commissions from the insurance companies when you purchase a policy through us. This doesn't cost you anything extra-the premiums you pay are the same whether you work with us or go directly to the carrier.
Because we work with multiple insurance providers, we're able to compare options and help you find competitive rates. We don't favor one company over another based on commissions alone-we recommend policies based on what makes sense for your situation.
If your needs change after you purchase a policy, you can usually adjust your coverage by contacting the insurance carrier. Depending on the type of policy, you may also be able to cancel and receive a refund for any unused portion of your premium, though some carriers charge cancellation fees.
We can help facilitate changes and cancellations, but the final decision rests with the insurance company. If you're thinking about canceling, reach out to us first so we can discuss your options and make sure you're not left without coverage.
You agree not to use our website or services for anything illegal, harmful, or fraudulent. This includes providing false information to get better rates, attempting to hack or disrupt our systems, or using our services to spam or harass others.
We reserve the right to refuse service to anyone who violates these terms or engages in behavior that we deem inappropriate or harmful.
We provide our services to the best of our ability, but we can't be held liable for any damages or losses that result from using our website or following our recommendations. Insurance decisions are ultimately yours to make, and you should carefully review all policy documents before purchasing.
If a dispute arises between you and us, we'll do our best to resolve it through friendly communication. If that doesn't work, any legal disputes will be handled according to the laws of the state where we operate, and you agree to resolve issues through arbitration or small claims court rather than class-action lawsuits.
We may update these terms from time to time to reflect changes in how we operate, new legal requirements, or improvements to our services. When we make significant changes, we'll post the updated terms on our website and, if appropriate, notify you directly.
Continuing to use our services after we update these terms means you accept the changes. We encourage you to review this page periodically so you're always up to date.
If anything here is unclear or you'd like more information, don't hesitate to reach out. Contact us at [email protected] or call +1 502-520-7728 and we'll be happy to explain further.