Terms & Conditions

Welcome to Mike Williams Insurance. By accessing or using our website and services, you agree to be bound by these Terms & Conditions. Please read them carefully before proceeding.

Acceptance of Terms

By using our website, requesting quotes, or purchasing insurance policies through Mike Williams Insurance, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, as well as our Privacy Policy. If you do not agree with any part of these terms, please do not use our services.

Eligibility

To use our services, you must be at least 18 years of age and legally able to enter into binding contracts. By using our website, you represent and warrant that you meet these eligibility requirements.

Services Provided

Mike Williams Insurance acts as an insurance agent and broker, providing auto insurance quotes, policy comparisons, and related services. We work with licensed insurance carriers to offer coverage options that meet your needs.

Quote Accuracy

We strive to provide accurate insurance quotes based on the information you provide. However, quotes are estimates and may be subject to change based on carrier underwriting, additional information, or verification of details. Final pricing and coverage are determined by the insurance carrier.

No Guarantee of Coverage

Requesting a quote or submitting an application does not guarantee that you will be approved for coverage. Insurance carriers reserve the right to accept or decline applications based on their underwriting guidelines.

Your Responsibilities

When using our services, you agree to:

• Provide accurate, complete, and truthful information
• Update your information promptly if it changes
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized use of your account
• Comply with all applicable laws and regulations
• Review policy documents carefully before purchase

Payment Terms

Payment for insurance policies is processed by the insurance carrier or their authorized payment processor. You agree to pay all premiums and fees associated with your policy according to the payment schedule selected. Failure to make timely payments may result in policy cancellation or non-renewal.

Cancellation and Refunds

Cancellation policies and refund terms are determined by the insurance carrier and outlined in your policy documents. Some carriers may offer pro-rata refunds for unused premium if you cancel your policy mid-term. Contact us or your carrier directly to initiate a cancellation.

Limitation of Liability

Mike Williams Insurance acts as an intermediary between you and insurance carriers. We are not liable for:

• Denial of coverage or claims by insurance carriers
• Errors or omissions in information provided by carriers
• Delays in processing applications or claims
• Coverage gaps or policy lapses due to non-payment
• Acts or omissions of third-party service providers

To the fullest extent permitted by law, our total liability for any claims arising from our services shall not exceed the amount of commissions we earned from the policy in question.

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Mike Williams Insurance or our licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.

Third-Party Links

Our website may contain links to third-party websites for your convenience. We are not responsible for the content, privacy practices, or terms of use of these external sites. Your use of third-party websites is at your own risk.

Prohibited Conduct

You agree not to:

• Use our services for any unlawful or fraudulent purpose
• Provide false or misleading information
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of our website
• Transmit viruses, malware, or harmful code
• Harvest or collect user information without consent

Indemnification

You agree to indemnify and hold harmless Mike Williams Insurance, its officers, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services, violation of these terms, or infringement of any rights of another party.

Dispute Resolution

Any disputes arising from these Terms & Conditions or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to participate in class action lawsuits or class-wide arbitration.

Governing Law

These Terms & Conditions are governed by the laws of the State of Maryland, without regard to its conflict of law principles. Any legal action or proceeding shall be brought exclusively in the courts located in Maryland.

Changes to Terms

We reserve the right to update or modify these Terms & Conditions at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the revised terms.

Severability

If any provision of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.