Terms and Conditions

These Terms and Conditions govern your use of Treaty Insurance's website and services. By accessing or using our platform, you agree to be bound by these terms. Please read them carefully before proceeding.

1. Acceptance of Terms

By using our website or purchasing an auto insurance policy through Treaty Insurance, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy. If you do not agree with any part of these terms, you must not use our services.

2. Services Description

Treaty Insurance provides auto insurance coverage including but not limited to:

• Rideshare insurance for drivers using platforms like Uber and Lyft
• Collision insurance for vehicle damage from accidents
• Rental car insurance coverage
• Liability protection for bodily injury and property damage
• Roadside assistance and emergency services

All coverage is subject to the specific terms and conditions outlined in your individual policy documents.

3. User Responsibilities

When using our services, you agree to:

• Provide accurate, complete, and current information during the quote and application process
• Maintain the accuracy of your account information and update it as needed
• Notify us immediately of any changes to your driving record, vehicle, or coverage needs
• Pay premiums on time and in accordance with your policy terms
• Use our website and services in compliance with all applicable laws and regulations
• Refrain from using our services for any fraudulent or unlawful purpose

4. Policy Terms and Coverage

Your specific coverage, limits, deductibles, and exclusions are detailed in your policy documents. It is your responsibility to review your policy carefully and understand what is and is not covered. Coverage may vary based on state regulations, driving history, and other factors.

5. Limitations of Liability

Treaty Insurance provides insurance coverage as outlined in your policy. We are not liable for:

• Damages not covered by your policy terms
• Claims filed after the policy period or coverage has lapsed
• Losses resulting from fraudulent information provided during application
• Indirect, incidental, or consequential damages arising from service interruptions

6. Cancellation and Termination

You may cancel your policy at any time by contacting us. Depending on your state regulations and policy terms, you may be entitled to a refund of unused premiums. We reserve the right to cancel or non-renew your policy for reasons including but not limited to non-payment, fraud, or material misrepresentation.

7. Claims Process

In the event of an accident or covered loss, you must report the claim promptly and provide all requested documentation. Failure to cooperate with the claims investigation may result in denial of coverage. We reserve the right to investigate all claims thoroughly before approval.

8. Changes to These Terms

We may update these Terms and Conditions from time to time to reflect changes in our services or legal requirements. We will notify you of significant changes via email or through a notice on our website. Continued use of our services after changes are posted constitutes acceptance of the updated terms.

9. Governing Law

These Terms and Conditions are governed by the laws of the State of Maine and applicable federal laws. Any disputes arising from these terms or your use of our services shall be resolved in the courts of Bangor, Maine.

10. Contact Us

If you have any questions about these Terms and Conditions, please contact us:

• Email: [email protected]
• Phone: +1 (207) 813-3580
• Address: 700 Main Street, Suite 3, Bangor ME 04401