By using DB Assurance Group’s website - YourInsuranceDeal.com with license to sell insurance in North Carolina, South Carolina and New York(“DB Assurance Group”, “we”, “our”, “us”) which is a licensed producer acting as an independent agent of the insurance providers and agencies on our network, you agree to the following terms, in addition to our Privacy Policy (“DB Assurance Group Privacy Policy”), all of which together are the “Terms”.
DB Assurance Group and its website YourInsuranceDeal.com acts as a portal to facilitate insurance agents, insurance companies and other similar parties (“Provider”) to offer insurance and other products for sale and to sell to consumers who have applied through TourInsuranceDeal.com and DB Assurance Group to receive insurance quotes from a Provider.
The Service allows you to compare auto insurance rendered by the Providers. Our Service is free for you to use. We may receive commission and fees from Providers that participate in the Service. The Service rendered by DB Assurance Group is only available to the residents of the United States, and insurance offered by insurance companies may not be available in all states. You may not accept these Terms or use this Service if you are not of legal age to form a binding contract with DB Assurance Group. You must not access DB Assurance Group or accept these Terms if you are a person who is either barred or otherwise legally prohibited from receiving or using the Service under the laws of the state in which you reside or from which you access or use DB Assurance Group.
DB Assurance Group is not an insurer. Any insurance offered to you is provided to you by the party listing the insurance policy, and not DB Assurance Group. The terms and conditions of any insurance product offered to you are provided by the Providers based on their underwriting and may vary based on a number of factors solely as determined by the insurers. We don’t provide advice or endorse insurance products or Providers that appear on our website or other communication channels. As a result, it is your sole discretion whether to take out a policy based on a quote you get through our Service and to make sure the policy that is of interest to you meets your specific needs.
The quotes provided to you are provided to us by third parties; therefore DB Assurance Group cannot guarantee their accuracy and whether they are the most current quotes available. The quotes do not constitute bookable rates, as the actual bookable rate requires additional information from you, and may vary relative to the provided quotes. We do not guarantee that the insurance offered by the Providers on our website or other forms of communication includes the best terms or lowest rates available in the market.
YourInsuranceDeal.com and DB Assurance Group corp operate through Smart Choice Insurance Network for independent insurance agencies and may receive compensation as an agent/broker. Quotes provided by this Service are for policies that may be available to you at prices estimated by the Providers. Actual availability and pricing are determined by the Providers after you complete an application over the phone. The accuracy of your information, the information further obtained by the Providers and your answers to additional questions on the website, email or on the phone may impact the pricing and availability of the policies.
DB Assurance Group does not provide an application for insurance. We are providing you with an interface to connect you to a number of potential Insurance Providers. Any incorrect information entered by you may result in incorrect insurance quotes and/or may make a policy invalid, within the sole discretion of the insurer. We will pass the information we collect to third parties in order to provide our Services.
NEITHER PARTY OWES THE OTHER ANY DUTIES, FIDUCIARY OR OTHERWISE, AND EACH PARTY RELEASES THE OTHER FROM ALL MANNER OF ACTIONS, WETHER PAST, PRESENT OR FUTURE, ACTUAL OR CONTINGENT, ARISING OUT OF OR RELATED TO SUCH DUTIES, EXCEPT AS EXPLICITLY STATED IN THESE TERMS.
We provide our Service using a commercially reasonable level of skill and care and we hope that you will enjoy using it. But there are certain things that we don’t promise about our Service. OTHER THAN AS EXPLICITLY STATED IN THESE TERMS OR ADDITIONAL TERMS NEITHER DB Assurance Group, YourInsuranceDeal.com NOR ITS SUPPLIERS OR DISTRIBUTORS MAKE ANY SPECIFIC PREMISES ABOUT THE SERVICE. FOR EXAMPLE, WE DON’T MAKE ANY COMMITMENTS ABOUT THE CONTENT WITHIN THE SERVICE, THE SPECIFIC FUNCTIONS OF THE SERVICE, OR THEIR RELIABILITY, AVAILABILITY, OR ABILITY TO MEET YOUR NEEDS. WE PROVIDE THE SERVICE “AS IS”. SOME JURISDICTIONS PROVIDE FOR CERTAIN WARRANTIES, LIKE THE IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, TO THE EXTENT PERMITTED BY LAW, WE EXCLUDE ALL WARRANTIES.
WHEN PERMITTED BY LAW, DB ASSURANCE GROUP AND DB ASSURANCE GROUP’S PROVIDERS WILL NOT BE RESPONSIBLE FOR LOST PROFITS, REVENUES, OR DATA, FINANCIAL LOSSES, PUNITIVE DAMAGES.
TO THE EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF DB ASSURANCE GROUP AND ITS WEBSITE YOURINSURANCEDEAL.COM, AND ITS SUPPLIERS AND DISTRIBUTORS, FOR ANY CLAIMS UNDER THESE TERMS, INCLUDING FOR ANY IMPLIED WARRANTIES, IS LIMITED TO THE AMOUNT YOU PAID US TO USE THE SERVICES (OR, IF WE CHOOSE, TO SUPPLYING YOU WITH THE SERVICES AGAIN).
IN ALL CASES,DB ASSURANCE GROUP, AND ITS PROVIDERS WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE THAT IS NOT REASONABLY FORESEEABLE.
The content and information on this website (including, but not limited to, messages, data, information, text, music, sound, photos, graphics, video, maps, icons, software, code or other material), as well as the infrastructure used to provide such content and information, is proprietary to DB Assurance Group Corp. You agree not to otherwise modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell or re-sell any information, software, products, or services obtained from or through this website. Additionally, you agree not to:
(i) use this website or its contents for any commercial purpose
(ii) access, monitor or copy any content or information of this website using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission;
(iii) violate the restrictions in any robot exclusion headers on this website or bypass or circumvent other measures employed to prevent or limit access to this website;
(iv) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure;
(v) deep-link to any portion of this website for any purpose without our express written permission; or
(vi) “frame”, “mirror” or otherwise incorporate any part of this website into any other website without our prior written authorization.
(vii) attempt to modify, translate, adapt, edit, decompile, disassemble, or reverse engineer any software programs used by DB Assurance Group in connection with the website or the services.
Insurance companies can cancel your policy for any reason during the first 60 days the policy is active.
Car insurance companies can legally drop a customer at any time if they become riskier to insure than when they first bought their policy.
Insurance Companies can cancel your insurance two way: short-rate and pro rata insurance cancellations.
Pro rata cancellations are relatively straightforward. When an insurance policy is cancelled before the expiry date, the insured party receives a refund based on the remaining portion of the contract.
Short-rate cancellations are similar to pro rata, but they’re often more beneficial to the insurer. During a short-rate cancellation, the client can receive part of their initial premium, but with a catch. The refund will be similar to the pro rata cancellation rate, but you’ll also have the leeway to deduct additional administrative or cancellation penalty fees.
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