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Alabama
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer to Esurance Insurance Services,
Inc., doing business as Esurance or Esurance Insurance Agency Services. "You" and
"your" refer to the named insured(s) identified in the Declarations Page ("Declarations
Page"), and any spouse of the named insured who resides in the same household. "Insurance
Policy Documents" collectively refers to your original application, this Agreement,
and all forms, endorsements, and notices issued to you by us, including any electronic
communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to
pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $10.00 for each payment that is not received
by the payment due date.
Non-Sufficient Funds Fee
You may be charged a Non-Sufficient Funds Fee of $25.00 for any payment that is
not honored because insufficient funds are available in the account on which the
payment was drawn.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a
proof of financial responsibility filing.
Reinstatement Fee
You may be charged a Reinstatement Fee of $25.00 if your Policy is canceled and
subsequently reinstated.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any
reason or if we cancel your Policy due to your failure to pay any premium when due.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy. If a cancellation notice is generated, you will be charged a Cancellation
Fee and a cancellation notice will be mailed to the address shown on your Policy.
Notice of Insurance Practices and Use of
Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and insurance claim history
reports. We may use a third party in connection with the development of your insurance
score. All reports are impartial statements of fact and are kept strictly confidential.
The information we obtain will be used only for business purposes and to ensure
that each applicant is evaluated fairly. Future reports may also be used for an
update, renewal, extension, cancellation, or non-renewal of your insurance coverage.
Upon request, we will provide you with the name, address, and telephone number of
any consumer reporting agency that furnishes us with your report. You also have
the right to request to be interviewed in connection with the preparation of any
consumer report.
You have the right to request to be interviewed in connection with the preparation
of any consumer report.
Fraudulent Information Statement
It is a crime to knowingly provide false, incomplete, or misleading information
to an insurance company for the purpose of defrauding the company. Penalties include
imprisonment, fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant
to the rating of your Policy or settlement of a claim, you hereby consent to
the release of information from that device to us and to any persons or entities working
with us, subject to any applicable state law. You also agree to fully cooperate with
us when dealing with any third party to facilitate the timely release of information
contained on the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires us
to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you: (i) withdraw
your consent to electronic transactions, including receiving Insurance Policy Documents
electronically; or (ii) request to receive paper copies of your electronic Insurance
Policy Documents. If you elect to receive paper copies of Insurance Policy Documents,
you may, at any time, request and consent to electronic transactions, including
receiving Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE
(1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display, print,
and retain Insurance Policy Documents in Adobe Portable Display Format. Once you
purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will
be accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located on the page
or in your browser frame. To download and save any of your Insurance Policy Documents
to your computer, open the insurance policy document by clicking on its hyperlink
or icon and follow Adobe Reader’s directions for downloading and saving documents.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls
and text messages on your cellular telephone, and on any other device on which you
may receive calls or text messages, from Esurance, its agents, affiliates and service
providers that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Consent to Transact Business Electronically
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive
Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery
by U.S. Mail or other physical delivery method; provided, however, that, as required
by law, we will deliver certain Insurance Policy Documents, such as termination
notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read
the disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously chosen
to transact business by non-electronic means by receiving Insurance Policy Documents
in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make
any changes or updates regarding your Policy then that choice will remain in effect
until you agree to transact business electronically.
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Alabama
Welcome to Esurance! We greatly appreciate your business. Please read this Terms
and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer to Esurance Insurance Services,
Inc., doing business as Esurance or Esurance Insurance Agency Services. "You" and
"your" refer to the named insured(s) identified in the application for insurance
("Application"), and any spouse of the named insured who resides in the same household.
"Insurance Policy Documents" collectively refers to your Application, this Agreement,
and all forms, endorsements, and notices issued to you by us, including any electronic
communications.
Declaration Statements
By completing the Application and clicking on "I accept" below, you: (i) declare
that you have read and completed the Application on your own; (ii) declare that
the Application has not been completed by any other individual, including an insurance
agent, broker, consultant, or representative, even if you have consulted with any
such persons; (iii) agree to all of the terms and conditions contained herein; (iv)
declare that the statements contained in the Application are true to the best of
your knowledge; (v) agree to pay any applicable surcharges resulting from inaccurate
statements in the Application; (vi) acknowledge that your insurance policy ("Policy")
may be canceled and a claim may be denied if the Application contains any false
information or misrepresentation, or if any information that would affect our underwriting
decision has been omitted or misrepresented; (vii) declare that you have listed
all drivers in your household, including any regular or frequent operators of the
vehicle(s) described in the Application; (viii) declare that you have described
any business or commercial use of your vehicle(s) in the Application; and (ix) agree
that no coverage will be bound if your financial institution does not honor, or
we do not receive, your payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to
pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $10.00 for each payment that is not received
by the payment due date.
Non-Sufficient Funds Fee
You may be charged a Non-Sufficient Funds Fee of $25.00 for any payment that is
not honored because insufficient funds are available in the account on which the
payment was drawn.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a
proof of financial responsibility filing.
Reinstatement Fee
You may be charged a Reinstatement Fee of $25.00 if your Policy is canceled and
subsequently reinstated.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any
reason or if we cancel your Policy due to your failure to pay any premium when due.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy. If a cancellation notice is generated, you will be charged a Cancellation
Fee and a cancellation notice will be mailed to the address shown on your Policy.
Proof of Insurance
You may be required to provide proof of insurance with your current insurance carrier
in the form of a declarations page, renewal offer, or other document clearly indicating
the coverage period and your current liability coverage limits. Your failure to
provide the required documentation may result in the re-rating of your insurance
coverage and/or the termination of your Policy.
Notice of Insurance Practices and Use of
Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
Fraudulent Information Statement
It is a crime to knowingly provide false, incomplete, or misleading information
to an insurance company for the purpose of defrauding the company. Penalties include
imprisonment, fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant to the rating
of your Policy or settlement of a claim, you hereby consent to the release of information
from that device to us and to any persons or entities working with us, subject to
any applicable state law. You also agree to fully cooperate with us when dealing
with any third party to facilitate the timely release of information contained on
the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires us
to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you consent, you will receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you: (i) do
not consent to electronic transactions, including receiving Insurance Policy Documents
electronically; (ii) withdraw your consent to electronic transactions, including
receiving Insurance Policy Documents electronically; or (iii) request to receive
paper copies of your electronic Insurance Policy Documents. If you elect to receive
paper copies of Insurance Policy Documents, you may, at any time, request and consent
to electronic transactions, including receiving Insurance Policy Documents electronically.
Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for Electronic Delivery
Before you give your consent to electronic transactions, including receiving Insurance
Policy Documents electronically, please be aware that, in order to access Insurance
Policy Documents electronically, you must have: (i) a computer capable of connecting
to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of viewing
our Web site; (iv) an email service account that allows you to read, write, and
send email; and (v) the ability to use hyperlinks to access other Web sites (collectively
referred to as the "Technical Requirements"). You must have the Technical Requirements
to download, display, print, and retain Insurance Policy Documents in Adobe Portable
Display Format. Once you purchase your Policy, you will be given the opportunity
to download a free copy of Adobe Reader so that you can view Insurance Policy Documents
in Adobe Portable Display Format. If you do not have the Technical Requirements,
you cannot receive Insurance Policy Documents electronically.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will be accessible
through your online account. To print any of your Insurance Policy Documents from
your online account, click the "print" button located on the page or in your browser
frame. To download and save any of your Insurance Policy Documents to your computer,
open the insurance policy document by clicking on its hyperlink or icon and follow
Adobe Reader’s directions for downloading and saving documents.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may receive
calls or text messages, from Esurance, its agents, affiliates and service providers
that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Consent to Transact Business Electronically
By clicking the "I accept" button below, you: (i) agree to transact business electronically
through our Web site and by email to, among other things, purchase your Policy,
make payments, receive Insurance Policy Documents, renew and terminate your Policy,
and send to us and receive from us communications related to your Policy; (ii) unless
otherwise indicated, agree to accept all Insurance Policy Documents electronically
in lieu of delivery by U.S. Mail or other physical delivery method; provided, however,
that, as required by law, we will deliver certain Insurance Policy Documents, such
as termination notices, in paper format via U.S. Mail; (iii) agree that your clicking
of the "I accept" button serves as, and replaces the need for your physical signature
for this and all future transactions in connection with your Policy and Insurance
Policy Documents, except as otherwise required by law; and (iv) acknowledge that
you have read the disclosure regarding the use of electronic records and signatures
in connection with your online account as provided on our Web site.
If you do not agree to transact business electronically, please do not click the
"I accept" button below; instead, please call us at 1-800-ESURANCE
(1-800-378-7262) to complete your purchase over the phone, to engage
in any other transactions with Esurance over the phone and to receive Insurance
Policy Documents in paper format.
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Arizona
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our"
refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance
Insurance Agency Services. "You" and "your" refer to the named
insured(s) identified in the Declarations Page ("Declarations Page"),
and any spouse of the named insured who resides in the same household. "Insurance
Policy Documents" collectively refers to your original application, this Agreement,
and all forms, endorsements, and notices issued to you by us, including any electronic
communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your payment; provided, however, that we will provide a seven-day grace period for
the payment of premium due under this policy.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect
to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00
for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received
by the payment due date. A seven-day grace period will be provided before a Late
Payment Fee is charged.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a
proof of financial responsibility filing.
Driver Exclusion Fee
You may be charged a Driver Exclusion Fee of $25.00 if a driver is excluded from
your Policy upon your request.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any
reason or if we cancel your Policy due to your failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies
of Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Arizona is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment
of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date, or, if applicable, by the end of the seven-day grace period specified
in the "Late Payment Fee" section above. We do not accept partial payments
of the invoiced amount. If your full payment for the invoiced amount is not received
by the due date, or, if applicable, by the end of the seven-day grace period, a
Late Payment Fee will be charged to your account. Any unpaid premium may result
in the cancellation of your Policy. If a cancellation notice is generated, you will
be charged a Cancellation Fee and a cancellation notice will be mailed to the address
shown on your Policy.
Notice of Insurance Practices
and Use of Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
Fraudulent Information Statement
It is a crime to knowingly provide false, incomplete, or misleading information
to an insurance company for the purpose of defrauding the company. Penalties include
imprisonment, fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant to the rating
of your Policy or settlement of a claim, you hereby consent to the release of information
from that device to us and to any persons or entities working with us, subject to
any applicable state law. You also agree to fully cooperate with us when dealing
with any third party to facilitate the timely release of information contained on
the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires
us to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you:
(i) withdraw your consent to electronic transactions, including receiving Insurance
Policy Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic transactions,
including receiving Insurance Policy Documents electronically. Please call us at
1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for
Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display,
print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once
you purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may receive
calls or text messages, from Esurance, its agents, affiliates and service providers
that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy
Documents will be accessible through your online account. To print any of your Insurance
Policy Documents from your online account, click the "print" button located
on the page or in your browser frame. To download and save any of your Insurance
Policy Documents to your computer, open the insurance policy document by clicking
on its hyperlink or icon and follow Adobe Reader’s directions for downloading and
saving documents.
Consent to Transact Business
Electronically
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive
Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery
by U.S. Mail or other physical delivery method; provided, however, that, as required
by law, we will deliver certain Insurance Policy Documents, such as termination
notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read
the disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously chosen
to transact business by non-electronic means by receiving Insurance Policy Documents
in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make
any changes or updates regarding your Policy then that choice will remain in effect
until you agree to transact business electronically.
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Arizona
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our"
refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance
Insurance Agency Services. "You" and "your" refer to the named
insured(s) identified in the Declarations Page ("Declarations Page"),
and any spouse of the named insured who resides in the same household. "Insurance
Policy Documents" collectively refers to your original application, this Agreement,
and all forms, endorsements, and notices issued to you by us, including any electronic
communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your payment; provided, however, that we will provide a seven-day grace period for
the payment of premium due under this policy.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect
to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00
for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received
by the payment due date. A seven-day grace period will be provided before a Late
Payment Fee is charged.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a
proof of financial responsibility filing.
Driver Exclusion Fee
You may be charged a Driver Exclusion Fee of $25.00 if a driver is excluded from
your Policy upon your request.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any
reason or if we cancel your Policy due to your failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies
of Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Arizona is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment
of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date, or, if applicable, by the end of the seven-day grace period specified
in the "Late Payment Fee" section above. We do not accept partial payments
of the invoiced amount. If your full payment for the invoiced amount is not received
by the due date, or, if applicable, by the end of the seven-day grace period, a
Late Payment Fee will be charged to your account. Any unpaid premium may result
in the cancellation of your Policy. If a cancellation notice is generated, you will
be charged a Cancellation Fee and a cancellation notice will be mailed to the address
shown on your Policy.
Notice of Insurance Practices
and Use of Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
Fraudulent Information Statement
It is a crime to knowingly provide false, incomplete, or misleading information
to an insurance company for the purpose of defrauding the company. Penalties include
imprisonment, fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant to the rating
of your Policy or settlement of a claim, you hereby consent to the release of information
from that device to us and to any persons or entities working with us, subject to
any applicable state law. You also agree to fully cooperate with us when dealing
with any third party to facilitate the timely release of information contained on
the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires
us to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you:
(i) withdraw your consent to electronic transactions, including receiving Insurance
Policy Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic transactions,
including receiving Insurance Policy Documents electronically. Please call us at
1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for
Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display,
print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once
you purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may receive
calls or text messages, from Esurance, its agents, affiliates and service providers
that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy
Documents will be accessible through your online account. To print any of your Insurance
Policy Documents from your online account, click the "print" button located
on the page or in your browser frame. To download and save any of your Insurance
Policy Documents to your computer, open the insurance policy document by clicking
on its hyperlink or icon and follow Adobe Reader’s directions for downloading and
saving documents.
Consent to Transact Business
Electronically
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive
Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery
by U.S. Mail or other physical delivery method; provided, however, that, as required
by law, we will deliver certain Insurance Policy Documents, such as termination
notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read
the disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously chosen
to transact business by non-electronic means by receiving Insurance Policy Documents
in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make
any changes or updates regarding your Policy then that choice will remain in effect
until you agree to transact business electronically.
|
Arkansas
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our"
refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance
Insurance Agency Services. "You" and "your" refer to the named
insured(s) identified in the Declarations Page ("Declarations Page"),
and any spouse of the named insured who resides in the same household. "Insurance
Policy Documents" collectively refers to your original application, this
Agreement, and all forms, endorsements, and notices issued to you by us, including
any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have listed
all drivers in your household, including any regular or frequent operators of the vehicle(s)
listed in the Declarations Page; (iv) declare that you have described any business or
commercial use of your vehicle(s); and (v) agree that no coverage will be bound if your
financial institution does not honor, or we do not receive, your payment.
DISCLOSURE OF FEES
Installment Fee
You may be charged an Installment Fee, as allowed by your state,
if you elect to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of
$3.00 for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is
not received by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who
requires a proof of financial responsibility filing.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy
for any reason or if we cancel your Policy due to your failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper
copies of Insurance Policy Documents that we would otherwise provide to you
electronically. The current Paper Documents Fee in Arkansas is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your payment must be
received by its due date. We do not accept partial payments of the invoiced amount.
If your full payment for the invoiced amount is not received by the due date, a Late
Payment Fee will be charged to your account. Any unpaid premium may result in the
cancellation of your Policy. If a cancellation notice is generated, you will be
charged a Cancellation Fee and a cancellation notice will be mailed to the address shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from persons other than you.
Such information, as well as other personal and privileged information collected
by us or our agents, may, in certain circumstances and as permitted by law, be
disclosed to third parties. You have the right to review your personal information
in our files and request the correction of any inaccuracies. More information about
your rights and our practices regarding your personal information is available upon
request. Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to
determine the correct premium to charge you, we order one or more reports provided
by independent consumer reporting agencies. These reports are necessary to verify
information that you have provided us. Examples of reports include, but are not
limited to, a Motor Vehicle Report (MVR), an insurance claim history report, and,
where allowed by law, an insurance score based on information contained in your
credit report. We may use a third party in connection with the development of your
insurance score. All reports are impartial statements of fact and are kept strictly
confidential. The information we obtain will be used only for business purposes and
to ensure that each applicant is evaluated fairly. Future reports may also be used
for an update, renewal, extension, cancellation, or non-renewal of your insurance
coverage. Upon request, we will provide you with the name, address, and telephone
number of any consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so,
or you may request a review once annually. Any adjustment in premium made pursuant
to a change in your credit history will be reflected on your next renewal offer.
FRAUDULENT INFORMATION STATEMENT
Any person who knowingly presents a false or fraudulent claim for payment
of a loss or benefit or knowingly presents false information in an application for
insurance is guilty of a crime and may be subject to fines and confinement in prison.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling our customer
service center at 1-800-ESURANCE (1-800-378-7262), or by sending an email to
support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to
ask you for your consent to electronic transactions, including providing you with Insurance
Policy Documents electronically. If you have provided this consent to us previously, and
have not withdrawn such consent, you will continue to receive all of your Insurance Policy
Documents from us electronically, as permitted by law. Insurance Policy Documents in
electronic format will have the same contractual force and effect as Insurance Policy
Documents in paper format.
PAPER DOCUMENTS
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you: (i) withdraw
your consent to electronic transactions, including receiving Insurance Policy Documents
electronically; or (ii) request to receive paper copies of your electronic Insurance
Policy Documents. If you elect to receive paper copies of Insurance Policy Documents,
you may, at any time, request and consent to electronic transactions, including receiving
Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE (1-800-378-7262)
for any such withdrawals or requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email service
account that allows you to read, write, and send email; and (v) the ability to use hyperlinks
to access other Web sites (collectively referred to as the "Technical Requirements"). You
must have the Technical Requirements to download, display, print, and retain Insurance Policy
Documents in Adobe Portable Display Format. Once you purchase your Policy, you will be given
the opportunity to download a free copy of Adobe Reader so that you can view Insurance Policy
Documents in Adobe Portable Display Format. If you do not have the Technical Requirements, you
cannot receive Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text messages
on your cellular telephone, and on any other device on which you may receive calls or text
messages, from Esurance, its agents, affiliates and service providers that are placed using
an automatic telephone dialing system or using artificial or prerecorded voice messages.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you
provided when you created or updated your account. Your Insurance Policy Documents
will be accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located on the page or
in your browser frame. To download and save any of your Insurance Policy Documents
to your computer, open the insurance policy document by clicking on its hyperlink or
icon and follow Adobe Reader’s directions for downloading and saving documents.
ADDITIONAL STATE-REQUIRED INFORMATION
Policyholder Service Office of Company: Esurance Property and Casualty Insurance Company
Address: PO BOX 5250, Sioux Falls, SD 57117-5250
Telephone Number: 800-378-7262
Name of Agent: Esurance Insurance Services, Inc.
Address PO BOX 5250, Sioux Falls, SD 57117-5250
Telephone Number: 800-378-7262
If we at Esurance Property and Casualty Insurance Company fail to provide you with
reasonable and adequate service, you should feel free to contact:
Arkansas Insurance Department
1200 West Third Street
Little Rock, AR 72201
(501) 371-2640 or (800) 852-5494
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically through
our Web site and by email to, among other things, make payments, receive Insurance Policy
Documents, renew and terminate your Policy, and send to us and receive from us communications
related to your Policy; (ii) unless otherwise indicated, agree to accept all Insurance Policy
Documents electronically in lieu of delivery by U.S. Mail or other physical delivery method;
provided, however, that, as required by law, we will deliver certain Insurance Policy Documents,
such as termination notices, in paper format via U.S. Mail; and (iii) acknowledge that you have
read the disclosure regarding the use of electronic records and signatures in connection with
your online account as provided on our Web site. If you have previously chosen to transact
business by non-electronic means by receiving Insurance Policy Documents in paper format and by
calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates regarding your
Policy then that choice will remain in effect until you agree to transact business electronically.
|
California
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our"
refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance
Insurance Agency Services. "You" and "your" refer to the named
insured(s) identified in the Declarations Page ("Declarations Page"),
and any spouse or registered domestic partner of the named insured who resides in
the same household. "Insurance Policy Documents" collectively refers to
your original application, this Agreement, and all forms, endorsements, and notices
issued to you by us, including any electronic communications.
Important: Please read your California Personal Automobile
Policy ("Policy") carefully, as it contains language that will restrict
or exclude coverage–particularly to drivers of your vehicle who are not listed on
the Policy. The Policy specifically addresses who may use your vehicle and under
what conditions coverage will be provided. In some cases, an unlisted driver or
permissive user will have their liability limits reduced to the minimum coverage
required under the California financial responsibility law, which is currently $15,000
per person, subject to $30,000 for each accident with respect to bodily injury,
and $5,000 for each accident with respect to property damage. Please contact us
if you wish to purchase additional or increased coverage.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect
to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00
for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $5.00 for each payment that is not received
by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a
proof of financial responsibility filing.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any
reason or if we cancel your Policy due to your failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies
of Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in California is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment
of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy. If a cancellation notice is generated, you will be charged a Cancellation
Fee and a cancellation notice will be mailed to the address shown on your Policy.
Notice of Insurance Practices
and Use of Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and insurance claim history
reports. We may use a third party in connection with the development of your insurance
score. All reports are impartial statements of fact and are kept strictly confidential.
The information we obtain will be used only for business purposes and to ensure
that each applicant is evaluated fairly. Future reports may also be used for an
update, renewal, extension, cancellation, or non-renewal of your insurance coverage.
Upon request, we will provide you with the name, address, and telephone number of
any consumer reporting agency that furnishes us with your report. You also have
the right to request to be interviewed in connection with the preparation of any
consumer report.
You have the right to request to be interviewed in connection with the preparation
of any consumer report.
Fraudulent Information Statement
It is a crime to knowingly provide false, incomplete, or misleading information
to an insurance company for the purpose of defrauding the company. Penalties include
imprisonment, fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant to the rating
of your Policy or settlement of a claim, you hereby consent to the release of information
from that device to us and to any persons or entities working with us, subject to
any applicable state law. You also agree to fully cooperate with us when dealing
with any third party to facilitate the timely release of information contained on
the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires
us to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you:
(i) withdraw your consent to electronic transactions, including receiving Insurance
Policy Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic transactions,
including receiving Insurance Policy Documents electronically. Please call us at
1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for
Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display,
print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once
you purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may receive
calls or text messages, from Esurance, its agents, affiliates and service providers
that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account.
Your Insurance Policy Documents will be accessible through your online
account. To print any of your Insurance Policy Documents from your online account,
click the "print" button located on the page or in your browser frame.
To download and save any of your Insurance Policy Documents to your computer, open
the insurance policy document by clicking on its hyperlink or icon and follow Adobe
Reader’s directions for downloading and saving documents.
Consent to Transact Business
Electronically
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive
Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery
by U.S. Mail or other physical delivery method; provided, however, that, as required
by law, we will deliver certain Insurance Policy Documents, such as termination
notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read
the disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously chosen
to transact business by non-electronic means by receiving Insurance Policy Documents
in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make
any changes or updates regarding your Policy then that choice will remain in effect
until you agree to transact business electronically.
|
Colorado
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our"
refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance
Insurance Agency Services. "You" and "your" refer to the named
insured(s) identified in the Declarations Page ("Declarations Page"),
and any spouse of the named insured who resides in the same household. "Insurance
Policy Documents" collectively refers to your original application, this Agreement,
and all forms, endorsements, and notices issued to you by us, including any electronic
communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect
to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00
for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received
by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a
proof of financial responsibility filing.
Driver Exclusion Fee
You may be charged a Driver Exclusion Fee of $25.00 if a driver is excluded from
your Policy upon your request.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any
reason or if we cancel your Policy due to your failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies
of Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Colorado is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment
of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy. If a cancellation notice is generated, you will be charged a Cancellation
Fee and a cancellation notice will be mailed to the address shown on your Policy.
Notice of Insurance Practices
and Use of Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
Fraudulent Information Statement
It is unlawful to knowingly provide false, incomplete, or misleading facts and
information to an insurance company for the purpose of defrauding or attempting
to defraud the company. Penalties may include imprisonment, fines, denial of insurance
and civil damages. Any insurance company or agent of an insurance company who knowingly
provides false, incomplete, or misleading facts or information to a policy holder
or claimant for the purpose of defrauding or attempting to defraud the policy holder
or claimant with regard to a settlement or award payable from insurance proceeds
shall be reported to the Colorado Division of Insurance within the Department of
Regulatory Agencies.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires
us to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you:
(i) withdraw your consent to electronic transactions, including receiving Insurance
Policy Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic transactions,
including receiving Insurance Policy Documents electronically. Please call us at
1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for
Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display,
print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once
you purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may receive
calls or text messages, from Esurance, its agents, affiliates and service providers
that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account.
Your Insurance Policy Documents will be accessible through your online
account. To print any of your Insurance Policy Documents from your online account,
click the "print" button located on the page or in your browser frame.
To download and save any of your Insurance Policy Documents to your computer, open
the insurance policy document by clicking on its hyperlink or icon and follow Adobe
Reader’s directions for downloading and saving documents.
Consent to Transact Business
Electronically
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive
Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery
by U.S. Mail or other physical delivery method; provided, however, that, as required
by law, we will deliver certain Insurance Policy Documents, such as termination
notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read
the disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously chosen
to transact business by non-electronic means by receiving Insurance Policy Documents
in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make
any changes or updates regarding your Policy then that choice will remain in effect
until you agree to transact business electronically.
|
Colorado
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our"
refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance
Insurance Agency Services. "You" and "your" refer to the named
insured(s) identified in the Declarations Page ("Declarations Page"),
and any spouse of the named insured who resides in the same household. "Insurance
Policy Documents" collectively refers to your original application, this Agreement,
and all forms, endorsements, and notices issued to you by us, including any electronic
communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect
to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00
for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received
by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a
proof of financial responsibility filing.
Driver Exclusion Fee
You may be charged a Driver Exclusion Fee of $25.00 if a driver is excluded from
your Policy upon your request.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any
reason or if we cancel your Policy due to your failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies
of Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Colorado is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment
of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy. If a cancellation notice is generated, you will be charged a Cancellation
Fee and a cancellation notice will be mailed to the address shown on your Policy.
Notice of Insurance Practices
and Use of Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
Fraudulent Information Statement
It is unlawful to knowingly provide false, incomplete, or misleading facts and
information to an insurance company for the purpose of defrauding or attempting
to defraud the company. Penalties may include imprisonment, fines, denial of insurance
and civil damages. Any insurance company or agent of an insurance company who knowingly
provides false, incomplete, or misleading facts or information to a policy holder
or claimant for the purpose of defrauding or attempting to defraud the policy holder
or claimant with regard to a settlement or award payable from insurance proceeds
shall be reported to the Colorado Division of Insurance within the Department of
Regulatory Agencies.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires
us to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you:
(i) withdraw your consent to electronic transactions, including receiving Insurance
Policy Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic transactions,
including receiving Insurance Policy Documents electronically. Please call us at
1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for
Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display,
print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once
you purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may receive
calls or text messages, from Esurance, its agents, affiliates and service providers
that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account.
Your Insurance Policy Documents will be accessible through your online
account. To print any of your Insurance Policy Documents from your online account,
click the "print" button located on the page or in your browser frame.
To download and save any of your Insurance Policy Documents to your computer, open
the insurance policy document by clicking on its hyperlink or icon and follow Adobe
Reader’s directions for downloading and saving documents.
Consent to Transact Business
Electronically
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive
Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery
by U.S. Mail or other physical delivery method; provided, however, that, as required
by law, we will deliver certain Insurance Policy Documents, such as termination
notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read
the disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously chosen
to transact business by non-electronic means by receiving Insurance Policy Documents
in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make
any changes or updates regarding your Policy then that choice will remain in effect
until you agree to transact business electronically.
|
Connecticut
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our"
refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance
Insurance Agency Services. "You" and "your" refer to the named
insured(s) identified in the Declarations Page ("Declarations Page"),
and any spouse or domestic partner of the named insured who resides in the same
household. "Insurance Policy Documents" collectively refers to your original
application, this Agreement, and all forms, endorsements, and notices issued to
you by us, including any electronic communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that, subject to
a 15-day cure period, no coverage will be bound if your financial institution does
not honor, or we do not receive, your payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect
to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00
for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received
by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $10.00 for each driver who requires a
proof of financial responsibility filing.
Driver Exclusion Fee
You may be charged a Driver Exclusion Fee of $25.00 if a driver is excluded from
your Policy upon your request.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any
reason or if we cancel your Policy due to your failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies
of Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Connecticut is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment
of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy. If a cancellation notice is generated, you will be charged a Cancellation
Fee and a cancellation notice will be mailed to the address shown on your Policy.
Comprehensive coverage
You have the option to purchase Comprehensive Coverage with no glass deductible.
This optional coverage will provide complete coverage for repair or replacement
of all damaged safety glass without regard to any deductible or minimum amount.
Notice of Insurance Practices
and Use of Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
Fraudulent Information Statement
It is a crime to knowingly provide false, incomplete, or misleading information
to an insurance company for the purpose of defrauding the company. Penalties include
imprisonment, fines, and denial of insurance benefits. Any insurance company or
agent of an insurance company who knowingly provides false, incomplete, or misleading
facts or information to a policy holder or claimant for the purpose of defrauding
or attempting to defraud the policy holder or claimant with regard to a settlement
or award payable from insurance proceeds shall be reported to the Connecticut Department
of Insurance.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires
us to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you:
(i) withdraw your consent to electronic transactions, including receiving Insurance
Policy Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic transactions,
including receiving Insurance Policy Documents electronically. Please call us at
1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for
Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display,
print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once
you purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may receive
calls or text messages, from Esurance, its agents, affiliates and service providers
that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account.
Your Insurance Policy Documents will be accessible through your online
account. To print any of your Insurance Policy Documents from your online account,
click the "print" button located on the page or in your browser frame.
To download and save any of your Insurance Policy Documents to your computer, open
the insurance policy document by clicking on its hyperlink or icon and follow Adobe
Reader’s directions for downloading and saving documents.
Consent to Transact Business
Electronically
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive
Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery
by U.S. Mail or other physical delivery method; provided, however, that, as required
by law, we will deliver certain Insurance Policy Documents, such as termination
notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read
the disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously chosen
to transact business by non-electronic means by receiving Insurance Policy Documents
in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make
any changes or updates regarding your Policy then that choice will remain in effect
until you agree to transact business electronically.
|
Esurance Insurance Company
Florida
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our"
refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance
Insurance Agency Services. "You" and "your" refer to the named
insured(s) identified in the Declarations Page ("Declarations Page"),
and any spouse of the named insured who resides in the same household. "Insurance
Policy Documents" collectively refers to your original application, this Agreement,
and all forms, endorsements, and notices issued to you by us, including any electronic
communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your payment; provided, however, that you will have the earlier of five days after
actual notice by certified mail is received by you, or 15 days after notice is sent
to you by certified or registered mail, to cure your non-payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect
to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of
$3.00 for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $10.00 for each payment that is not received
by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $15.00 for each driver who requires
a proof of financial responsibility filing.
Short Rate Fee
You may be charged a Short Rate Fee equal to 10% of the unearned premium if you
cancel your Policy for any reason. This Short Rate Fee is in addition to any premium
we earn for the coverage provided and may be deducted from any refund due to you.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies
of Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Florida is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment
of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy.
Notice of Insurance Practices
and Use of Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
Fraudulent Information Statement
Per Florida Statute 817.234(1)(b), any person who knowingly and with intent to
injure, defraud, or deceive an insurer files a statement of claim or an application
containing false, incomplete, or misleading information is guilty of a felony of
the third degree. Penalties may include imprisonment, fines, denial of insurance
and civil damages.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant to the rating
of your Policy or settlement of a claim, you hereby consent to the release of information
from that device to us and to any persons or entities working with us, subject to
any applicable state law. You also agree to fully cooperate with us when dealing
with any third party to facilitate the timely release of information contained on
the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires
us to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you:
(i) withdraw your consent to electronic transactions, including receiving Insurance
Policy Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic transactions,
including receiving Insurance Policy Documents electronically. Please call us at
1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for
Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display,
print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once
you purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may receive
calls or text messages, from Esurance, its agents, affiliates and service providers
that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account.
Your Insurance Policy Documents will be accessible through your online
account. To print any of your Insurance Policy Documents from your online account,
click the "print" button located on the page or in your browser frame.
To download and save any of your Insurance Policy Documents to your computer, open
the insurance policy document by clicking on its hyperlink or icon and follow Adobe
Reader’s directions for downloading and saving documents.
Consent to Transact Business
Electronically
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive
Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery
by U.S. Mail or other physical delivery method; provided, however, that, as required
by law, we will deliver certain Insurance Policy Documents, such as termination
notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read
the disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously chosen
to transact business by non-electronic means by receiving Insurance Policy Documents
in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make
any changes or updates regarding your Policy then that choice will remain in effect
until you agree to transact business electronically.
|
Esurance Property and Casualty Insurance
Company
Florida
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our"
refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance
Insurance Agency Services. "You" and "your" refer to the named
insured(s) identified in the Declarations Page ("Declarations Page"),
and any spouse of the named insured who resides in the same household. "Insurance
Policy Documents" collectively refers to your original application, this Agreement,
and all forms, endorsements, and notices issued to you by us, including any electronic
communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your payment; provided, however, that you will have the earlier of five days after
actual notice by certified mail is received by you, or 15 days after notice is sent
to you by certified or registered mail, to cure your non-payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect
to pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $10.00 for each payment that is not received
by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires
a proof of financial responsibility filing.
Short Rate Fee
You may be charged a Short Rate Fee equal to 10% of the unearned premium if you
cancel your Policy for any reason. This Short Rate Fee is in addition to any premium
we earn for the coverage provided and may be deducted from any refund due to you.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies
of Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Florida is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment
of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy.
Notice of Insurance Practices
and Use of Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
Fraudulent Information Statement
Per Florida Statute 817.234(1)(b), any person who knowingly and with intent to
injure, defraud, or deceive an insurer files a statement of claim or an application
containing false, incomplete, or misleading information is guilty of a felony of
the third degree. Penalties may include imprisonment, fines, denial of insurance
and civil damages.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant to the rating
of your Policy or settlement of a claim, you hereby consent to the release of information
from that device to us and to any persons or entities working with us, subject to
any applicable state law. You also agree to fully cooperate with us when dealing
with any third party to facilitate the timely release of information contained on
the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires
us to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you:
(i) withdraw your consent to electronic transactions, including receiving Insurance
Policy Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic transactions,
including receiving Insurance Policy Documents electronically. Please call us at
1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for
Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display,
print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once
you purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may receive
calls or text messages, from Esurance, its agents, affiliates and service providers
that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account.
Your Insurance Policy Documents will be accessible through your online
account. To print any of your Insurance Policy Documents from your online account,
click the "print" button located on the page or in your browser frame.
To download and save any of your Insurance Policy Documents to your computer, open
the insurance policy document by clicking on its hyperlink or icon and follow Adobe
Reader’s directions for downloading and saving documents.
Consent to Transact Business
Electronically
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive
Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery
by U.S. Mail or other physical delivery method; provided, however, that, as required
by law, we will deliver certain Insurance Policy Documents, such as termination
notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read
the disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously chosen
to transact business by non-electronic means by receiving Insurance Policy Documents
in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make
any changes or updates regarding your Policy then that choice will remain in effect
until you agree to transact business electronically.
|
|
We greatly appreciate your business. Please read this
Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we,"
"us," and "our" refer to Esurance Insurance Services, Inc.,
doing business as Esurance or Esurance Insurance Agency Services.
"You" and "your" refer to the named insured(s) identified
in the Declarations Page ("Declarations Page"), and any spouse of the
named insured who resides in the same household. "Insurance Policy
Documents" collectively refers to your original application, this
Agreement, and all forms, endorsements, and notices issued to you by us,
including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of
the terms and conditions contained herein; (ii) declare that your Declarations
Page is accurate and reflects your desired coverage selections and coverage
limits; (iii) declare that you have listed all drivers in your household,
including any regular or frequent operators of the vehicle(s) listed in the
Declarations Page; (iv) declare that you have described any business or
commercial use of your vehicle(s); and (v) agree that no coverage will be bound
if your financial institution does not honor, or we do not receive, your payment.
DISCLOSURE OF FEES
Installment Fee
You may be charged an Installment Fee, as allowed by your
state, if you elect to pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $10.00 for each
payment that is not received by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each
driver who requires a proof of financial responsibility filing.
Short Rate Fee
You may be charged a Short Rate Fee equal to 10% of the
unearned premium if you cancel your Policy for any reason. This Short Rate Fee
is in addition to any premium we earn for the coverage provided and may be
deducted from any refund due to you.
State-Required Fees
You may be charged for fees as required or permitted by
your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your
payment must be received by its due date. We do not accept partial payments of
the invoiced amount. If your full payment for the invoiced amount is not
received by the due date, a Late Payment Fee will be charged to your account.
Any unpaid premium may result in the cancellation of your Policy. If a
cancellation notice is generated, you will be charged a Short Rate Fee and a
cancellation notice will be mailed to the address shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from
persons other than you. Such information, as well as other personal and
privileged information collected by us or our agents, may, in certain
circumstances and as permitted by law, be disclosed to third parties. You have
the right to review your personal information in our files and request the
correction of any inaccuracies. More information about your rights and our
practices regarding your personal information is available upon request. Please
contact us for more information.
In order to evaluate your eligibility for insurance
coverage with us and to determine the correct premium to charge you, we order
one or more reports provided by independent consumer reporting agencies. These
reports are necessary to verify information that you have provided us. Examples
of reports include, but are not limited to, a Motor Vehicle Report (MVR), an
insurance claim history report, and, where allowed by law, an insurance score
based on information contained in your credit report. We may use a third party
in connection with the development of your insurance score. All reports are
impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure
that each applicant is evaluated fairly. Future reports may also be used for an
update, renewal, extension, cancellation, or non-renewal of your insurance
coverage. Upon request, we will provide you with the name, address, and
telephone number of any consumer reporting agency that furnishes us with your
report.
We will review your credit history when we are legally
required to do so, or you may request a review once for every six-month policy
term. Any adjustment in premium made pursuant to a change in your credit
history will be reflected on your next renewal offer.
CREDIT SCORE NOTIFICATION
We use an insurance score in addition to traditional rating factors such as driving record, type of vehicle, use of vehicles, garaging territory, and limits of coverage to determine your premium.
An insurance score is developed from a mathematical model that weighs and measures credit information such as payment history, the number of collections, bankruptcies, outstanding debt, length of credit history, types of credit in use, and the number of applications for credit. These factors identify credit management patterns that have been proven to correlate with the probability of having a future insurance loss.
Generally speaking, the higher your score is, the lower your premium will be. Most policyholders receive a more favorable premium because of their score. The insurance score is NOT the sole factor in determining the cost of your policy, but is used in combination with the traditional factors to provide you with the best premium for which you qualify.
You may not have received the best available premium because of information from your consumer credit report. To view the list of credit factors that had the greatest impact on your score, please review the Consumer Disclosure Notice.
If you would like to obtain additional information on
these factors, please go to www.consumerdisclosure.com.
On the Web site, select "reports" from the top right side. Then, select "credit reports." The expanded explanations are contained on this screen. You may also call LexisNexis at 1-800-456-6004 and request the "NCF Credit Report."
If you have been adversely affected by information contained in a consumer report provided by LexisNexis, you have the right, under the Fair Credit Reporting Act, to obtain a free copy of such report(s) from LexisNexis within 60 days of receipt of this notice. Please contact them at:
LexisNexis Consumer Service Center
P.O. Box 105108
Atlanta, GA 30346-5108
1-800-456-6004
After receiving your consumer report(s), if you disagree with the accuracy or completeness of any information contained therein, you should contact the following:
1. For credit reports, contact the consumer reporting agency listed on the credit report, or LexisNexis.
2. For all other reports, contact LexisNexis.
EXTRAORDINARY LIFE EVENT
You may request reconsideration of an insurance score
because of the direct influence of an extraordinary life event on your credit
information. An extraordinary life event may include, but is not limited to:
(i) catastrophic illness or death; (ii) death of a spouse, child or parent;
(iii) divorce; or (iv) identity theft.
UNINSURED MOTORIST COVERAGE NOTICE
If you have chosen to accept Uninsured Motorist Coverage
and have any questions after reading this statement regarding Uninsured
Motorist Coverage, or the amount of coverage you have selected, your agent or
company representative will be able to assist you. You should have chosen the
amount of Uninsured Motorist Coverage you want based on this question: If I get
hit by someone with little or no liability insurance, how much protection do I
need to cover the cost associated with car repair, medical bills, other expenses,
and lost wages? If the person who hits your automobile has no liability
coverage or liability coverage equal to or less than the Uninsured Motorist
Coverage amount you have selected, your total automobile insurance recovery (from all companies involved) may
not exceed the amount of Uninsured Motorist Coverage you have selected. This
notice is for informational purposes only and does not change or replace the language in your
Policy.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or
misleading information to an insurance company for the purpose of defrauding
the company. Penalties include imprisonment, fines, and denial of insurance
benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data
Recorder, mileage verification device, or any similar device capable of
providing information relevant to the rating of your Policy or settlement of a
claim, you hereby consent to the release of information from that device to us
and to any persons or entities working with us, subject to any applicable state
law. You also agree to fully cooperate with us when dealing with any third
party to facilitate the timely release of information contained on the device
to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address,
mailing address, or telephone number by updating your online account with your
new contact information, calling our customer service center at 1-800-ESURANCE
(1-800-378-7262), or by sending an email to support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce Act
of 2000 requires us to ask you for your consent to electronic transactions,
including providing you with Insurance Policy Documents electronically. If you
have provided this consent to us previously, and have not withdrawn such
consent, you will continue to receive all of your Insurance Policy Documents
from us electronically, as permitted by law. Insurance Policy Documents in
electronic format will have the same contractual force and effect as Insurance
Policy Documents in paper format.
PAPER DOCUMENTS
If you consent to electronic transactions, including receiving
Insurance Policy Documents electronically, you may withdraw your consent at any
time and begin receiving Insurance Policy Documents in paper format. In
addition, you may request paper copies of your electronic Insurance Policy
Documents at any time. However, the Paper Documents Fee set forth in the
"Disclosure of Fees" section above may apply if you: (i) withdraw your consent
to electronic transactions, including receiving Insurance Policy Documents
electronically; or (ii) request to receive paper copies of your electronic
Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic
transactions, including receiving Insurance Policy Documents electronically.
Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or
requests.
CELL PHONE POLICY
You agree that you are providing your express consent to
receive calls and text messages on your cellular telephone, and on any other
device on which you may receive calls or text messages, from Esurance, its
agents, affiliates and service providers that are placed using an automatic
telephone dialing system or using artificial or prerecorded voice messages.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy
Documents electronically, you must have: (i) a computer capable of connecting
to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of
viewing our Web site; (iv) an email service account that allows you to read,
write, and send email; and (v) the ability to use hyperlinks to access other
Web sites (collectively referred to as the "Technical Requirements").
You must have the Technical Requirements to download, display, print, and
retain Insurance Policy Documents in Adobe Portable Display Format. Once you
purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe
Portable Display Format. If you do not have the Technical Requirements, you
cannot receive Insurance Policy Documents electronically.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com and
log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will be
accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located
on the page or in your browser frame. To download and save any of your
Insurance Policy Documents to your computer, open the insurance policy document
by clicking on its hyperlink or icon and follow Adobe Reader's directions for
downloading and saving documents.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business
electronically, then by accepting our renewal offer, you: (i) agree to continue
to transact business electronically through our Web site and by email to, among
other things, make payments, receive Insurance Policy Documents, renew and
terminate your Policy, and send to us and receive from us communications related
to your Policy; (ii) unless otherwise indicated, agree to accept all Insurance
Policy Documents electronically in lieu of delivery by U.S. Mail or other
physical delivery method; provided, however, that, as required by law, we will
deliver certain Insurance Policy Documents, such as termination notices, in
paper format via U.S. Mail; and (iii) acknowledge that you have read the
disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously
chosen to transact business by non-electronic means by receiving Insurance
Policy Documents in paper format and by calling Esurance at 1-800-ESURANCE
(1-800-378-7262) to make any changes or updates regarding your Policy then that
choice will remain in effect until you agree to transact business
electronically.
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We greatly appreciate your business. Please read this
Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we,"
"us," and "our" refer to Esurance Insurance Services, Inc.,
doing business as Esurance or Esurance Insurance Agency Services.
"You" and "your" refer to the named insured(s) identified
in the Declarations Page ("Declarations Page"), and any spouse of the
named insured who resides in the same household. "Insurance Policy
Documents" collectively refers to your original application, this
Agreement, and all forms, endorsements, and notices issued to you by us,
including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of
the terms and conditions contained herein; (ii) declare that your Declarations
Page is accurate and reflects your desired coverage selections and coverage
limits; (iii) declare that you have listed all drivers in your household,
including any regular or frequent operators of the vehicle(s) listed in the
Declarations Page; (iv) declare that you have described any business or
commercial use of your vehicle(s); and (v) agree that no coverage will be bound
if your financial institution does not honor, or we do not receive, your payment.
DISCLOSURE OF FEES
Installment Fee
You may be charged an Installment Fee, as allowed by your
state, if you elect to pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each
payment that is not received by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each
driver who requires a proof of financial responsibility filing.
Short Rate Fee
You may be charged a Short Rate Fee equal to 10% of the
unearned premium if you cancel your Policy for any reason. This Short Rate Fee
is in addition to any premium we earn for the coverage provided and may be
deducted from any refund due to you.
State-Required Fees
You may be charged for fees as required or permitted by
your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your
payment must be received by its due date. We do not accept partial payments of
the invoiced amount. If your full payment for the invoiced amount is not
received by the due date, a Late Payment Fee will be charged to your account.
Any unpaid premium may result in the cancellation of your Policy. If a
cancellation notice is generated, you will be charged a Short Rate Fee and a
cancellation notice will be mailed to the address shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from
persons other than you. Such information, as well as other personal and
privileged information collected by us or our agents, may, in certain
circumstances and as permitted by law, be disclosed to third parties. You have
the right to review your personal information in our files and request the
correction of any inaccuracies. More information about your rights and our
practices regarding your personal information is available upon request. Please
contact us for more information.
In order to evaluate your eligibility for insurance
coverage with us and to determine the correct premium to charge you, we order
one or more reports provided by independent consumer reporting agencies. These
reports are necessary to verify information that you have provided us. Examples
of reports include, but are not limited to, a Motor Vehicle Report (MVR), an
insurance claim history report, and, where allowed by law, an insurance score
based on information contained in your credit report. We may use a third party
in connection with the development of your insurance score. All reports are
impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure
that each applicant is evaluated fairly. Future reports may also be used for an
update, renewal, extension, cancellation, or non-renewal of your insurance
coverage. Upon request, we will provide you with the name, address, and
telephone number of any consumer reporting agency that furnishes us with your
report.
We will review your credit history when we are legally
required to do so, or you may request a review once for every six-month policy
term. Any adjustment in premium made pursuant to a change in your credit
history will be reflected on your next renewal offer.
CREDIT SCORE NOTIFICATION
We use an insurance score in addition to traditional rating factors such as driving record, type of vehicle, use of vehicles, garaging territory, and limits of coverage to determine your premium.
An insurance score is developed from a mathematical model that weighs and measures credit information such as payment history, the number of collections, bankruptcies, outstanding debt, length of credit history, types of credit in use, and the number of applications for credit. These factors identify credit management patterns that have been proven to correlate with the probability of having a future insurance loss.
Generally speaking, the higher your score is, the lower your premium will be. Most policyholders receive a more favorable premium because of their score. The insurance score is NOT the sole factor in determining the cost of your policy, but is used in combination with the traditional factors to provide you with the best premium for which you qualify.
You may not have received the best available premium because of information from your consumer credit report. To view the list of credit factors that had the greatest impact on your score, please review the Consumer Disclosure Notice.
If you would like to obtain additional information on
these factors, please go to www.consumerdisclosure.com.
On the Web site, select "reports" from the top right side. Then, select "credit reports." The expanded explanations are contained on this screen. You may also call LexisNexis at 1-800-456-6004 and request the "NCF Credit Report."
If you have been adversely affected by information contained in a consumer report provided by LexisNexis, you have the right, under the Fair Credit Reporting Act, to obtain a free copy of such report(s) from LexisNexis within 60 days of receipt of this notice. Please contact them at:
LexisNexis Consumer Service Center
P.O. Box 105108
Atlanta, GA 30346-5108
1-800-456-6004
After receiving your consumer report(s), if you disagree with the accuracy or completeness of any information contained therein, you should contact the following:
1. For credit reports, contact the consumer reporting agency listed on the credit report, or LexisNexis.
2. For all other reports,contact LexisNexis.
EXTRAORDINARY LIFE EVENT
You may request reconsideration of an insurance score
because of the direct influence of an extraordinary life event on your credit
information. An extraordinary life event may include, but is not limited to:
(i) catastrophic illness or death; (ii) death of a spouse, child or parent;
(iii) divorce; or (iv) identity theft.
UNINSURED MOTORIST COVERAGE NOTICE
If you have chosen to accept Uninsured Motorist Coverage
and have any questions after reading this statement regarding Uninsured
Motorist Coverage, or the amount of coverage you have selected, your agent or
company representative will be able to assist you. You should have chosen the
amount of Uninsured Motorist Coverage you want based on this question: If I get
hit by someone with little or no liability insurance, how much protection do I
need to cover the cost associated with car repair, medical bills, other expenses,
and lost wages? If the person who hits your automobile has no liability
coverage or liability coverage equal to or less than the Uninsured Motorist
Coverage amount you have selected, your total automobile insurance recovery (from all companies involved) may
not exceed the amount of Uninsured Motorist Coverage you have selected. This
notice is for informational purposes only and does not change or replace the language in your
Policy.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or
misleading information to an insurance company for the purpose of defrauding
the company. Penalties include imprisonment, fines, and denial of insurance
benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data
Recorder, mileage verification device, or any similar device capable of
providing information relevant to the rating of your Policy or settlement of a
claim, you hereby consent to the release of information from that device to us
and to any persons or entities working with us, subject to any applicable state
law. You also agree to fully cooperate with us when dealing with any third
party to facilitate the timely release of information contained on the device
to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address,
mailing address, or telephone number by updating your online account with your
new contact information, calling our customer service center at 1-800-ESURANCE
(1-800-378-7262), or by sending an email to support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce Act
of 2000 requires us to ask you for your consent to electronic transactions,
including providing you with Insurance Policy Documents electronically. If you
have provided this consent to us previously, and have not withdrawn such
consent, you will continue to receive all of your Insurance Policy Documents
from us electronically, as permitted by law. Insurance Policy Documents in
electronic format will have the same contractual force and effect as Insurance
Policy Documents in paper format.
PAPER DOCUMENTS
If you consent to electronic transactions, including receiving
Insurance Policy Documents electronically, you may withdraw your consent at any
time and begin receiving Insurance Policy Documents in paper format. In
addition, you may request paper copies of your electronic Insurance Policy
Documents at any time. However, the Paper Documents Fee set forth in the
"Disclosure of Fees" section above may apply if you: (i) withdraw your consent
to electronic transactions, including receiving Insurance Policy Documents
electronically; or (ii) request to receive paper copies of your electronic
Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic
transactions, including receiving Insurance Policy Documents electronically.
Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or
requests.
CELL PHONE POLICY
You agree that you are providing your express consent to
receive calls and text messages on your cellular telephone, and on any other
device on which you may receive calls or text messages, from Esurance, its
agents, affiliates and service providers that are placed using an automatic
telephone dialing system or using artificial or prerecorded voice messages.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy
Documents electronically, you must have: (i) a computer capable of connecting
to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of
viewing our Web site; (iv) an email service account that allows you to read,
write, and send email; and (v) the ability to use hyperlinks to access other
Web sites (collectively referred to as the "Technical Requirements").
You must have the Technical Requirements to download, display, print, and
retain Insurance Policy Documents in Adobe Portable Display Format. Once you
purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe
Portable Display Format. If you do not have the Technical Requirements, you
cannot receive Insurance Policy Documents electronically.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com and
log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will be
accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located
on the page or in your browser frame. To download and save any of your
Insurance Policy Documents to your computer, open the insurance policy document
by clicking on its hyperlink or icon and follow Adobe Reader's directions for
downloading and saving documents.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business
electronically, then by accepting our renewal offer, you: (i) agree to continue
to transact business electronically through our Web site and by email to, among
other things, make payments, receive Insurance Policy Documents, renew and
terminate your Policy, and send to us and receive from us communications related
to your Policy; (ii) unless otherwise indicated, agree to accept all Insurance
Policy Documents electronically in lieu of delivery by U.S. Mail or other
physical delivery method; provided, however, that, as required by law, we will
deliver certain Insurance Policy Documents, such as termination notices, in
paper format via U.S. Mail; and (iii) acknowledge that you have read the
disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously
chosen to transact business by non-electronic means by receiving Insurance
Policy Documents in paper format and by calling Esurance at 1-800-ESURANCE
(1-800-378-7262) to make any changes or updates regarding your Policy then that
choice will remain in effect until you agree to transact business
electronically.
|
Idaho
Welcome to Esurance! We greatly appreciate your business. Please read this Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Terms and Conditions Agreement ("Agreement"), "we," "us," and "our" refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance Insurance Agency Services. "You" and "your" refer to the named insured(s) identified in the Declarations Page ("Declarations Page"), and any spouse of the named insured who resides in the same household. "Insurance Policy Documents" collectively refers to your Application, this Agreement, your Declarations Page, and all forms, endorsements, and notices issued to you by us, including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of the terms and conditions contained herein; (ii) declare that your Declarations Page is accurate and reflects your desired coverage selections and coverage limits; (iii) declare that you have listed all drivers in your household, including any regular or frequent operators of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described any business or commercial use of your vehicle(s); and (v) agree that no coverage will be bound if your financial institution does not honor, or we do not receive, your payment; provided, however, that you will have the earlier of five days after actual notice by certified mail is received by you, or 15 days after notice is sent to you by certified or registered mail, to cure your non-payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received by the payment due date.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00 for each financed or leased vehicle listed on the Application.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a proof of financial responsibility filing.
Named Driver Fee
You may be charged a Named Driver Fee of $25.00 to print, process and mail a driver exclusion form.
Driving Device Restocking Fee
You may be charged a Driving Device Restocking Fee of $100.00 for each device when the device(s) is/are not returned following policy cancellation or opting out of the DriveSense™ Discount program
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any reason or if we cancel your Policy due to your failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee of $25.00 for electing to receive paper copies of Insurance Policy Documents that we would otherwise provide to you electronically.
State-Required Fees
You will be charged for fees as required by your state, if any.
Cancellation for Non-Payment of Premium
To keep your Policy current and avoid cancellation, your payment must be received by its due date. We do not accept partial payments of the invoiced amount. If your full payment for the invoiced amount is not received by the due date, a Late Payment Fee will be charged to your account. Any unpaid premium may result in the cancellation of your Policy, in which case a cancellation notice will be mailed to the address shown on your Policy.
Release of Information Contained in Devices
If your insured vehicle is equipped with an Event Data Recorder, mileage verification device, or any similar device capable of providing information relevant to the rating of your Policy or settlement of a claim, you hereby consent to the release of information from that device to us and to any persons or entities working with us, subject to any applicable state law. You also agree to fully cooperate with us when dealing with any third party to facilitate the timely release of information contained on the device to us.
Notice of Insurance Practices and Use of
Consumer Reports
Personal information about you may be collected from persons other than you. Such information, as well as other personal and privileged information collected by us or our agents, may, in certain circumstances and as permitted by law, be disclosed to third parties. You have the right to review your personal information in our files and request the correction of any inaccuracies. More information about your rights and our practices regarding your personal information is available upon request. Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine the correct premium to charge you, we order one or more reports provided by independent consumer reporting agencies. These reports are necessary to verify information that you have provided us. Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history report, and, where allowed by law, an insurance score based on information contained in your credit report. We may use a third party in connection with the development of your insurance score. All reports are impartial statements of fact and are kept strictly confidential. The information we obtain will be used only for business purposes and to ensure that each applicant is evaluated fairly. Future reports may also be used for an update, renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon request, we will provide you with the name, address, and telephone number of any consumer reporting agency that furnishes us with your report.
Electronic Transactions
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to ask you for your consent to electronic transactions, including providing you with Insurance Policy Documents electronically. If you consent, you will receive all of your Insurance Policy Documents from us electronically, as permitted by law. Insurance Policy Documents in electronic format will have the same contractual force and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy Documents electronically, you may withdraw your consent at any time and begin receiving Insurance Policy Documents in paper format. In addition, you may request paper copies of your electronic Insurance Policy Documents at any time. However, the Paper Documents Fee set forth in the "Disclosure of Fees" section above may apply if you: (i) do not consent to electronic transactions, including receiving Insurance Policy Documents electronically; (ii) withdraw your consent to electronic transactions, including receiving Insurance Policy Documents electronically; or (iii) request to receive paper copies of your electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance Policy Documents, you may, at any time, request and consent to electronic transactions, including receiving Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements For Electronic Delivery
Before you give your consent to electronic transactions, including receiving Insurance Policy Documents electronically, please be aware that, in order to access Insurance Policy Documents electronically, you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email service account that allows you to read, write, and send email; and (v) the ability to use hyperlinks to access other Web sites (collectively referred to as the "Technical Requirements"). You must have the Technical Requirements to download, display, print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once you purchase your Policy, you will be given the opportunity to download a free copy of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable Display Format. If you do not have the Technical Requirements, you cannot receive Insurance Policy Documents electronically.
Accessing Your Online Account
To access your online account, go to www.esurance.com and log in to your account with the email address and password you provided when you created or updated your account. Your Insurance Policy Documents will be accessible through your online account. To print any of your Insurance Policy Documents from your online account, click the "print" button located on the page or in your browser frame. To download and save any of your Insurance Policy Documents to your computer, open the insurance policy document by clicking on its hyperlink or icon and follow Adobe Reader’s directions for downloading and saving documents.
Cell Phone Policy
You agree that you are providing your express consent to receive calls and text messages on your cellular telephone, and on any other device on which you may receive calls or text messages, from Esurance, its agents, affiliates and service providers that are placed using an automatic telephone dialing system or using artificial or prerecorded voice messages
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone number by updating your online account with your new contact information, calling our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an email to support@csr.esurance.com.
FRAUDULENT INFORMATION STATEMENT
Any person who knowingly, and with intent to defraud or deceive any insurance company, files a statement containing any false, incomplete or misleading information in a claim or application is guilty of a felony.
Consent to Transact Business Electronically.
If you have previously agreed to transact business electronically, then by accepting our renewal offer, you: (i) agree to continue to transact business electronically through our Web site and by email to, among other things, make payments, receive Insurance Policy Documents, renew and terminate your Policy, and send to us and receive from us communications related to your Policy; (ii) unless otherwise indicated, agree to accept all Insurance Policy Documents electronically in lieu of delivery by U.S. Mail or other physical delivery method; provided, however, that, as required by law, we will deliver certain Insurance Policy Documents, such as termination notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read the disclosure regarding the use of electronic records and signatures in connection with your online account as provided on our Web site. If you have previously chosen to transact business by non-electronic means by receiving Insurance Policy Documents in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates regarding your Policy then that choice will remain in effect until you agree to transact business electronically.
|
Illinois
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our"
refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance
Insurance Agency Services. "You" and "your" refer to the named
insured(s) identified in the Declarations Page ("Declarations Page"),
and any spouse of the named insured who resides in the same household. "Insurance
Policy Documents" collectively refers to your original application, this Agreement,
and all forms, endorsements, and notices issued to you by us, including any electronic
communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your initial payment.
Disclosure of Fees
Policy Fee
A Policy Fee of $10.00 will be applied during the first term of your Policy. In
the event your Policy is canceled during the first term, this Policy Fee will be
refunded to you on a pro-rata basis.
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect
to pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received
by the payment due date.
Driver Exclusion Fee
You may be charged a Driver Exclusion Fee of $25.00 if a driver is excluded from
your Policy upon your request.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies
of Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Illinois is $25.00.
Illinois Motor Vehicle Theft Prevention Fee
A Illinois Motor Vehicle Theft Prevention Fee of $1.00 per earned car year will
be charged for each vehicle with physical damage coverage. This Illinois Motor Vehicle
Theft Prevention Fee will be refunded on a pro-rata basis in the event your Policy
is canceled.
State-Required Fees
You will be charged for any other fees as required by your state.
Cancellation for non-payment
of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy, in which case a cancellation notice will be mailed to the address
shown on your Policy.
Notice of Insurance Practices
and Use of Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
Fraudulent Information Statement
It is a crime to knowingly provide false, incomplete, or misleading information
to an insurance company for the purpose of defrauding the company. Penalties include
imprisonment, fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant to the rating
of your Policy or settlement of a claim, you hereby consent to the release of information
from that device to us and to any persons or entities working with us, subject to
any applicable state law. You also agree to fully cooperate with us when dealing
with any third party to facilitate the timely release of information contained on
the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires
us to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you:
(i) withdraw your consent to electronic transactions, including receiving Insurance
Policy Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic transactions,
including receiving Insurance Policy Documents electronically. Please call us at
1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for
Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display,
print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once
you purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may receive
calls or text messages, from Esurance, its agents, affiliates and service providers
that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account.
Your Insurance Policy Documents will be accessible through your online
account. To print any of your Insurance Policy Documents from your online account,
click the "print" button located on the page or in your browser frame.
To download and save any of your Insurance Policy Documents to your computer, open
the insurance policy document by clicking on its hyperlink or icon and follow Adobe
Reader’s directions for downloading and saving documents.
Consent to Transact Business
Electronically
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive
Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery
by U.S. Mail or other physical delivery method; provided, however, that, as required
by law, we will deliver certain Insurance Policy Documents, such as termination
notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read
the disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously chosen
to transact business by non-electronic means by receiving Insurance Policy Documents
in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make
any changes or updates regarding your Policy then that choice will remain in effect
until you agree to transact business electronically.
|
Illinois
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer to Esurance Insurance Services,
Inc., doing business as Esurance or Esurance Insurance Agency Services. "You" and
"your" refer to the named insured(s) identified in the Declarations Page ("Declarations
Page"), and any spouse of the named insured who resides in the same household. "Insurance
Policy Documents" collectively refers to your original application, this Agreement,
and all forms, endorsements, and notices issued to you by us, including any electronic
communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your initial payment.
DISCLOSURE OF FEES
Policy Fee
A Policy Fee of $10.00 will be applied during the first term of your Policy.
In the event your Policy is canceled during the first term, this Policy Fee will
be refunded to you on a pro-rata basis.
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to
pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not
received by the payment due date.
Driver Exclusion Fee
You may be charged a Driver Exclusion Fee of $25.00 if a driver is excluded
from your Policy upon your request.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies of
Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Illinois is $25.00.
Illinois Motor Vehicle Theft Prevention Fee
A Illinois Motor Vehicle Theft Prevention Fee of $1.00 per earned car year will
be charged for each vehicle with physical damage coverage. This Illinois Motor Vehicle
Theft Prevention Fee will be refunded on a prorata basis in the event your Policy
is canceled.
State-Required Fees
You will be charged for any other fees as required by your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy, in which case a cancellation notice will be mailed to the address
shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or misleading information
to an insurance company for the purpose of defrauding the company. Penalties include
imprisonment, fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant to the rating
of your Policy or settlement of a claim, you hereby consent to the release of information
from that device to us and to any persons or entities working with us, subject to
any applicable state law. You also agree to fully cooperate with us when dealing
with any third party to facilitate the timely release of information contained on
the device to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce Act of 2000 requires us
to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
PAPER DOCUMENTS
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you: (i) withdraw
your consent to electronic transactions, including receiving Insurance Policy Documents
electronically; or (ii) request to receive paper copies of your electronic Insurance
Policy Documents. If you elect to receive paper copies of Insurance Policy Documents,
you may, at any time, request and consent to electronic transactions, including
receiving Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE
(1-800-378-7262) for any such withdrawals or requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display, print,
and retain Insurance Policy Documents in Adobe Portable Display Format. Once you
purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may receive
calls or text messages, from Esurance, its agents, affiliates and service providers
that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will
be accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located on the page
or in your browser frame. To download and save any of your Insurance Policy Documents
to your computer, open the insurance policy document by clicking on its hyperlink
or icon and follow Adobe Reader’s directions for downloading and saving documents.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive
Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery
by U.S. Mail or other physical delivery method; provided, however, that, as required
by law, we will deliver certain Insurance Policy Documents, such as termination
notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read
the disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously chosen
to transact business by non-electronic means by receiving Insurance Policy Documents
in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make
any changes or updates regarding your Policy then that choice will remain in effect
until you agree to transact business electronically.
|
Indiana
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our"
refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance
Insurance Agency Services. "You" and "your" refer to the named
insured(s) identified in the Declarations Page (("Declarations Page"),
and any spouse of the named insured who resides in the same household. "Insurance
Policy Documents" collectively refers to your original application, this Agreement,
and all forms, endorsements, and notices issued to you by us, including any electronic
communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have listed
all drivers in your household, including any regular or frequent operators of the vehicle(s)
listed in the Declarations Page; (iv) declare that you have described any business or
commercial use of your vehicle(s); and (v) agree that no coverage will be bound if your
financial institution does not honor, or we do not receive, your payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect
to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00 for each
financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received by the
payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires
a proof of financial responsibility filing.
Driver Exclusion Fee
You may be charged a Driver Exclusion Fee of $25.00 if a driver is excluded from
your Policy upon your request.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for
any reason or if we cancel your Policy due to your failure to pay any premium when
due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies
of Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Indiana is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment
of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your full
payment for the invoiced amount is not received by the due date, a Late Payment Fee will
be charged to your account. Any unpaid premium may result in the cancellation of your Policy.
If a cancellation notice is generated, you will be charged a Cancellation Fee and a
cancellation notice will be mailed to the address shown on your Policy.
Notice of Insurance Practices
and Use of Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us or our
agents, may, in certain circumstances and as permitted by law, be disclosed to third parties.
You have the right to review your personal information in our files and request the correction
of any inaccuracies. More information about your rights and our practices regarding your
personal information is available upon request. Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent consumer
reporting agencies. These reports are necessary to verify information that you have provided us.
Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an insurance
claim history report, and, where allowed by law, an insurance score based on information
contained in your credit report. We may use a third party in connection with the development of
your insurance score. All reports are impartial statements of fact and are kept strictly
confidential. The information we obtain will be used only for business purposes and to ensure
that each applicant is evaluated fairly. Future reports may also be used for an update, renewal,
extension, cancellation, or non-renewal of your insurance coverage. Upon request, we will
provide you with the name, address, and telephone number of any consumer reporting agency that
furnishes us with your report.
We are required by Indiana law to provide, at your request, a premium quotation
once per policy term that separately identifies the portion of the premium based on your
credit history. To make this request, email us at: inpremiumrequest@esurance.com.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium made
pursuant to a change in your credit history will be reflected on your next renewal offer.
Fraudulent Information Statement
It is a crime to knowingly provide false, incomplete, or misleading information
to an insurance company for the purpose of defrauding the company. Penalties include
imprisonment, fines, and denial of insurance benefits.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling our customer
service center at 1-800-ESURANCE (1-800-378-7262), or by sending an email
to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to
ask you for your consent to electronic transactions, including providing you with Insurance
Policy Documents electronically. If you have provided this consent to us previously, and have
not withdrawn such consent, you will continue to receive all of your Insurance Policy
Documents from us electronically, as permitted by law. Insurance Policy Documents in electronic
format will have the same contractual force and effect as Insurance Policy Documents in paper
format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies of
your electronic Insurance Policy Documents at any time. However, the Paper Documents Fee set
forth in the "Disclosure of Fees" section above may apply if you: (i) withdraw your
consent to electronic transactions, including receiving Insurance Policy Documents
electronically; or (ii) request to receive paper copies of your electronic Insurance Policy
Documents. If you elect to receive paper copies of Insurance Policy Documents, you may, at
any time, request and consent to electronic transactions, including receiving Insurance
Policy Documents electronically. Please call us at 1-800-ESURANCE (1-800-378-7262) for any
such withdrawals or requests.
Technical Requirements for
Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet Service
Provider; (iii) a browser capable of viewing our Web site; (iv) an email service account that
allows you to read, write, and send email; and (v) the ability to use hyperlinks to access other
Web sites (collectively referred to as the "Technical Requirements"). You must have the
Technical Requirements to download, display, print, and retain Insurance Policy Documents in Adobe
Portable Display Format. Once you purchase your Policy, you will be given the opportunity to
download a free copy of Adobe Reader so that you can view Insurance Policy Documents in Adobe
Portable Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text messages on
your cellular telephone, and on any other device on which you may receive calls or text messages,
from Esurance, its agents, affiliates and service providers that are placed using an automatic
telephone dialing system or using artificial or prerecorded voice messages.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when you created
or updated your account.
Your Insurance Policy Documents will be accessible through your online account.
To print any of your Insurance Policy Documents from your online account, click the "print"
Your Insurance Policy Documents will be accessible through your online account. To print any of
your Insurance Policy Documents from your online account, click the.
Consent to Transact Business
Electronically
If you have previously agreed to transact business electronically, then by accepting our
renewal offer, you: (i) agree to continue to transact business electronically through our Web
site and by email to, among other things, make payments, receive Insurance Policy Documents,
renew and terminate your Policy, and send to us and receive from us communications related to
your Policy; (ii) unless otherwise indicated, agree to accept all Insurance Policy Documents
electronically in lieu of delivery by U.S. Mail or other physical delivery method; provided,
however, that, as required by law, we will deliver certain Insurance Policy Documents, such as
termination notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read the
disclosure regarding the use of electronic records and signatures in connection with your online
account as provided on our Web site. If you have previously chosen to transact business by
non-electronic means by receiving Insurance Policy Documents in paper format and by calling Esurance
at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates regarding your Policy then that
choice will remain in effect until you agree to transact business electronically.
|
Kentucky
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our"
refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance
Insurance Agency Services. "You" and "your" refer to the named
insured(s) identified in the Declarations Page ("Declarations Page"),
and any spouse of the named insured who resides in the same household. "Insurance
Policy Documents" collectively refers to your original application, this Agreement,
and all forms, endorsements, and notices issued to you by us, including any electronic
communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect
to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of
$3.00 for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $1.00 for each payment that is not received
by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires
a proof of financial responsibility filing.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for
any reason or if we cancel your Policy due to your failure to pay any premium when
due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies
of Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Kentucky is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment
of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy. If a cancellation notice is generated, you will be charged a Cancellation
Fee and a cancellation notice will be mailed to the address shown on your Policy.
Notice of Insurance Practices
and Use of Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
Fraudulent Information Statement
It is a crime to knowingly provide false, incomplete, or misleading information
to an insurance company for the purpose of defrauding the company. Penalties include
imprisonment, fines, and denial of insurance benefits. Any person who knowingly
and with intent to defraud any insurance company or other person files an application
for insurance containing any materially false information or conceals, for the purpose
of misleading, information concerning any fact material thereto commits a fraudulent
insurance act, which is a crime.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant to the rating
of your Policy or settlement of a claim, you hereby consent to the release of information
from that device to us and to any persons or entities working with us, subject to
any applicable state law. You also agree to fully cooperate with us when dealing
with any third party to facilitate the timely release of information contained on
the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires
us to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you:
(i) withdraw your consent to electronic transactions, including receiving Insurance
Policy Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic transactions,
including receiving Insurance Policy Documents electronically. Please call us at
1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for
Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display,
print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once
you purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may receive
calls or text messages, from Esurance, its agents, affiliates and service providers
that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account.
Your Insurance Policy Documents will be accessible through your online
account. To print any of your Insurance Policy Documents from your online account,
click the "print" button located on the page or in your browser frame.
To download and save any of your Insurance Policy Documents to your computer, open
the insurance policy document by clicking on its hyperlink or icon and follow Adobe
Reader’s directions for downloading and saving documents.
Consent to Transact Business
Electronically
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive
Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery
by U.S. Mail or other physical delivery method; provided, however, that, as required
by law, we will deliver certain Insurance Policy Documents, such as termination
notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read
the disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously chosen
to transact business by non-electronic means by receiving Insurance Policy Documents
in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make
any changes or updates regarding your Policy then that choice will remain in effect
until you agree to transact business electronically.
Iowa
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer to
Esurance Insurance Services, Inc., doing business as Esurance or Esurance Insurance
Agency Services. "You" and "your" refer to the named insured(s)
identified in the Declarations Page ("Declarations Page"), and any spouse
of the named insured who resides in the same household. "Insurance Policy Documents"
collectively refers to your original application, this Agreement, and all forms,
endorsements, and notices issued to you by us, including any electronic communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions contained
herein; (ii) declare that your Declarations Page is accurate and reflects your desired
coverage selections and coverage limits; (iii) declare that you have listed all drivers in
your household, including any regular or frequent operators of the vehicle(s) listed in the
Declarations Page; (iv) declare that you have described any business or commercial use
of your vehicle(s); and (v) agree that no coverage will be bound if your financial
institution does not honor, or we do not receive, your payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to pay your
premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of
$3.00 for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received
by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a proof
of financial responsibility filing.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any
reason.
Driving Device Restocking Fee
You may be charged a Driving Device Restocking Fee of $100.00 for each device when
the device(s) is/are not returned following policy cancellation or opting out of the
DriveSense™ Discount program
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies of
Insurance Policy Documents that we would otherwise provide to you electronically. The
current Paper Documents Fee in Iowa is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment of premium
To keep your Policy current and avoid cancellation, your payment must be received by its
due date. We do not accept partial payments of the invoiced amount. If your full payment
for the invoiced amount is not received by the due date, a Late Payment Fee will be
charged to your account. Any unpaid premium may result in the cancellation of your
Policy, in which case a cancellation notice will be mailed to the address shown on your
Policy.
Notice of Insurance Practices and Use of
Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us or our
agents, may, in certain circumstances and as permitted by law, be disclosed to third
parties. You have the right to review your personal information in our files and request
the correction of any inaccuracies. More information about your rights and our practices
regarding your personal information is available upon request. Please contact us for more
information.
In order to evaluate your eligibility for insurance coverage with us and to determine the
correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that you
have provided us. Examples of reports include, but are not limited to, a Motor Vehicle
Report (MVR), an insurance claim history report, and, where allowed by law, an
insurance score based on information contained in your credit report. We may use a third
party in connection with the development of your insurance score. All reports are
impartial statements of fact and are kept strictly confidential. The information we obtain
will be used only for business purposes and to ensure that each applicant is evaluated
fairly. Future reports may also be used for an update, renewal, extension, cancellation, or
non-renewal of your insurance coverage. Upon request, we will provide you with the
name, address, and telephone number of any consumer reporting agency that furnishes
us with your report.
We will review your credit history when we are legally required to do so, or you may
request a review once for every six-month policy term. Any adjustment in premium made
pursuant to a change in your credit history will be reflected on your next renewal offer.
Fraudulent Information Statement
It is a crime to knowingly provide false, incomplete, or misleading information to an
insurance company for the purpose of defrauding the company. Penalties include
imprisonment, fines, and denial of insurance benefits.
Release of information contained in devices
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant to the rating of
your Policy or settlement of a claim, you hereby consent to the release of information
from that device to us and to any persons or entities working with us, subject to any
applicable state law. You also agree to fully cooperate with us when dealing with any
third party to facilitate the timely release of information contained on the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling our
customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an email
to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to
ask you for your consent to electronic transactions, including providing you with
Insurance Policy Documents electronically. If you have provided this consent to us
previously, and have not withdrawn such consent, you will continue to receive all of your
Insurance Policy Documents from us electronically, as permitted by law. Insurance
Policy Documents in electronic format will have the same contractual force and effect as
Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy Documents
electronically, you may withdraw your consent at any time and begin receiving Insurance
Policy Documents in paper format. In addition, you may request paper copies of your
electronic Insurance Policy Documents at any time. However, the Paper Documents Fee
set forth in the "Disclosure of Fees" section above may apply if you: (i) withdraw your
consent to electronic transactions, including receiving Insurance Policy Documents
electronically; or (ii) request to receive paper copies of your electronic Insurance Policy
Documents. If you elect to receive paper copies of Insurance Policy Documents, you
may, at any time, request and consent to electronic transactions, including receiving
Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE (1-800-378-7262)
for any such withdrawals or requests.
Technical Requirements for Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically, you
must have: (i) a computer capable of connecting to the Internet; (ii) an Internet Service
Provider; (iii) a browser capable of viewing our Web site; (iv) an email service account
that allows you to read, write, and send email; and (v) the ability to use hyperlinks to
access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display, print, and retain Insurance
Policy Documents in Adobe Portable Display Format. Once you purchase your Policy,
you will be given the opportunity to download a free copy of Adobe Reader so that you
can view Insurance Policy Documents in Adobe Portable Display Format. If you do not
have the Technical Requirements, you cannot receive Insurance Policy Documents
electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text messages
on your cellular telephone, and on any other device on which you may receive calls or
text messages, from Esurance, its agents, affiliates and service providers that are placed
using an automatic telephone dialing system or using artificial or prerecorded voice
messages.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when you created or updated your account.
Your Insurance Policy Documents will be accessible through your online account. To
print any of your Insurance Policy Documents from your online account, click the "print"
button located on the page or in your browser frame. To download and save any of your
Insurance Policy Documents to your computer, open the insurance policy document by
clicking on its hyperlink or icon and follow Adobe Reader’s directions for downloading
and saving documents.
Consent to Transact Business Electronically
If you have previously agreed to transact business electronically, then by accepting our
renewal offer, you: (i) agree to continue to transact business electronically through our
Web site and by email to, among other things, make payments, receive Insurance Policy
Documents, renew and terminate or rescind your Policy, and send to us and receive from
us communications related to your Policy; (ii) unless otherwise indicated, agree to accept
all Insurance Policy Documents electronically in lieu of delivery by U.S. Mail or other
physical delivery method; provided, however, that we may deliver certain Insurance
Policy Documents in paper format via U.S. Mail; and (iii) acknowledge that you have
read the disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously chosen to
transact business by non-electronic means by receiving Insurance Policy Documents in
paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make
any changes or updates regarding your Policy then that choice will remain in effect until
you agree to transact business electronically.
Kansas
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer
to Esurance Insurance Services, Inc., doing business as Esurance or Esurance Insurance
Agency Services. "You" and "your" refer to the named insured(s)
identified in the Declarations Page ("Declarations Page"), and any spouse
of the named insured who resides in the same household. "Insurance Policy Documents"
collectively refers to your original application, this Agreement, and all forms,
endorsements, and notices issued to you by us, including any electronic communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to
pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not
received by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires
a proof of financial responsibility filing.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for
any reason or if we cancel your Policy due to your failure to pay any premium when
due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies of
Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Kansas is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy. If a cancellation notice is generated, you will be charged a Cancellation
Fee and a cancellation notice will be mailed to the address shown on your Policy.
Notice of Insurance Practices and Use of
Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once annually. Any adjustment in premium made pursuant to a
change in your credit history will be reflected on your next renewal offer.
Fraudulent Information Statement
It is unlawful to knowingly provide false, incomplete, or misleading facts and information
to an insurance company for the purpose of defrauding or attempting to defraud the
company. Penalties may include imprisonment, fines, denial of insurance and civil
damages.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires us
to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you:
(i) withdraw your consent to electronic transactions, including receiving Insurance
Policy Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic transactions,
including receiving Insurance Policy Documents electronically. Please call us at
1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display,
print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once
you purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may receive
calls or text messages, from Esurance, its agents, affiliates and service providers
that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will
be accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located on
the page or in your browser frame. To download and save any of your Insurance Policy
Documents to your computer, open the insurance policy document by clicking on its
hyperlink or icon and follow Adobe Reader’s directions for downloading and saving
documents.
Consent to Transact Business Electronically
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive
Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery
by U.S. Mail or other physical delivery method; provided, however, that, as required
by law, we will deliver certain Insurance Policy Documents, such as termination
notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read
the disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously
chosen to transact business by non-electronic means by receiving Insurance Policy
Documents in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262)
to make any changes or updates regarding your Policy then that choice will remain
in effect until you agree to transact business electronically.
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Louisiana
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer
to Esurance Insurance Services, Inc., doing business as Esurance or Esurance Insurance
Agency Services. "You" and "your" refer to the named insured(s)
identified in the Declarations Page ("Declarations Page"), and any spouse
of the named insured who resides in the same household. "Insurance Policy Documents"
collectively refers to your original application, this Agreement, and all forms,
endorsements, and notices issued to you by us, including any electronic communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that, subject to
applicable law, no coverage will be bound if your financial institution does not
honor, or we do not receive, your payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to
pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee
of $3.00 for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not
received by the payment due date.
Non-Sufficient Funds Fee
You may be charged a Non-Sufficient Funds Fee of $25.00 for any payment that
is not honored because insufficient funds are available in the account on which
the payment was drawn.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires
a proof of financial responsibility filing.
Driver Exclusion Fee
You may be charged a Driver Exclusion Fee of $25.00 if a driver is excluded
from your Policy upon your request.
Reinstatement Fee
You may be charged a Reinstatement Fee of $25.00 if your Policy is canceled
and subsequently reinstated.
Short Rate Fee
You may be charged a Short Rate Fee equal to 10% of the unearned premium if
you cancel your Policy for any reason. This Short Rate Fee is in addition to any
premium we earn for the coverage provided and may be deducted from any refund due
to you.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies of
Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Louisiana is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy. If a cancellation notice is generated, you will be charged a Short
Rate Fee and a cancellation notice will be mailed to the address shown on your Policy.
Notice of Insurance Practices and Use of
Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
Fraudulent Information Statement
It is a crime to knowingly provide false, incomplete, or misleading information
to an insurance company for the purpose of defrauding the company. Penalties include
imprisonment, fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant to the rating
of your Policy or settlement of a claim, you hereby consent to the release of information
from that device to us and to any persons or entities working with us, subject to
any applicable state law. You also agree to fully cooperate with us when dealing
with any third party to facilitate the timely release of information contained on
the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires us
to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you:
(i) withdraw your consent to electronic transactions, including receiving Insurance
Policy Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic transactions,
including receiving Insurance Policy Documents electronically. Please call us at
1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display,
print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once
you purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will
be accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located on
the page or in your browser frame. To download and save any of your Insurance Policy
Documents to your computer, open the insurance policy document by clicking on its
hyperlink or icon and follow Adobe Reader’s directions for downloading and saving
documents.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may receive
calls or text messages, from Esurance, its agents, affiliates and service providers
that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Consent to Transact Business Electronically
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive
Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery
by U.S. Mail or other physical delivery method; provided, however, that, as required
by law, we will deliver certain Insurance Policy Documents, such as termination
notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read
the disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously chosen
to transact business by non-electronic means by receiving Insurance Policy Documents
in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make
any changes or updates regarding your Policy then that choice will remain in effect
until you agree to transact business electronically.
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We greatly appreciate your business. Please read this
Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we,"
"us," and "our" refer to Esurance Insurance Services, Inc.,
doing business as Esurance or Esurance Insurance Agency Services.
"You" and "your" refer to the named insured(s) identified
in the Declarations Page ("Declarations Page"), and any spouse of the
named insured who resides in the same household. "Insurance Policy
Documents" collectively refers to your original application, this
Agreement, and all forms, endorsements, and notices issued to you by us,
including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of
the terms and conditions contained herein; (ii) declare that your Declarations
Page is accurate and reflects your desired coverage selections and coverage
limits; (iii) declare that you have listed all drivers in your household,
including any regular or frequent operators of the vehicle(s) listed in the
Declarations Page; (iv) declare that you have described any business or
commercial use of your vehicle(s); and (v) agree that, subject to applicable
law, no coverage will be bound if your financial institution does not honor, or
we do not receive, your payment.
DISCLOSURE OF FEES
A surcharge may not be imposed and the policy may not be retiered for a claim or
payment made under Personal Injury Protection coverage.
Installment Fee
You may be charged an Installment Fee, as allowed by your
state, if you elect to pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $10.00 for each
payment that is not received by the payment due date.
Short Rate Fee
You may be charged a Short Rate Fee equal to 10% of the
unearned premium if you cancel your Policy for any reason. This Short Rate Fee
is in addition to any premium we earn for the coverage provided and may be deducted
from any refund due to you.
State-Required Fees
You will be charged for fees as required by your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your
payment must be received by its due date. We do not accept partial payments of
the invoiced amount. If your full payment for the invoiced amount is not
received by the due date, a Late Payment Fee will be charged to your account.
Any unpaid premium may result in the cancellation of your Policy. If a
cancellation notice is generated, you will be charged a Short Rate Fee and a
cancellation notice will be mailed to the address shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from
persons other than you. Such information, as well as other personal and
privileged information collected by us or our agents, may, in certain
circumstances and as permitted by law, be disclosed to third parties. You have
the right to review your personal information in our files and request the
correction of any inaccuracies. More information about your rights and our
practices regarding your personal information is available upon request. Please
contact us for more information.
In order to evaluate your eligibility for insurance
coverage with us and to determine the correct premium to charge you, we order
one or more reports provided by independent consumer reporting agencies. These
reports are necessary to verify information that you have provided us. Examples
of reports include, but are not limited to, a Motor Vehicle Report (MVR), an
insurance claim history report, and, where allowed by law, an insurance score
based on information contained in your credit report. We may use a third party
in connection with the development of your insurance score. All reports are
impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure
that each applicant is evaluated fairly. Future reports may also be used for an
update, renewal, extension, cancellation, or non-renewal of your insurance
coverage. Upon request, we will provide you with the name, address, and
telephone number of any consumer reporting agency that furnishes us with your
report.
We are required by the State of Maryland to provide, at
your request, once per policy term, a premium quotation that separately
identifies the portion of the premium based on your credit history. To make
this request, email us at:
mdpremiumrequest@esurance.com. We are also
required
by the State of Maryland to review your credit history every two years, or you
may request a review once every six-month term. If your credit history has
improved, it will be reflected at your next renewal.
We bind the kind of insurance stipulated on the
Application. This insurance is subject to the terms, conditions, and
limitations of the policy or policies currently in use by us, except as
follows:
This binder may be canceled by the insured by surrender
of this binder or by written notice to us stating when cancellation will be
effective. This binder may be canceled by us with 10 days notice to the
insured, provided that the notice of termination is effective within 45 days
from the effective date of the binder. We may verify and adjust the quoted
premium as necessary.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or
misleading information to an insurance company for the purpose of defrauding
the company. Penalties include imprisonment, fines, and denial of insurance
benefits. Any person who knowingly and willfully presents a false or fraudulent
claim for payment of a loss or benefit or who knowingly and willfully presents false
information in an application for insurance is guilty of a crime and may be subject to
fines and confinement in prison.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data
Recorder, mileage verification device, or any similar device capable of
providing information relevant to the rating of your Policy or settlement of a
claim, you hereby consent to the release of information from that device to us
and to any persons or entities working with us, subject to any applicable state
law. You also agree to fully cooperate with us when dealing with any third
party to facilitate the timely release of information contained on the device
to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address,
mailing address, or telephone number by updating your online account with your
new contact information, calling our customer service center at 1-800-ESURANCE
(1-800-378-7262), or by sending an email to
support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce Act of
2000 requires us to ask you for your consent to electronic transactions, including
providing you with Insurance Policy Documents electronically. If you have provided this
consent to us previously, and have not withdrawn such consent, you will continue to
receive all of your Insurance Policy Documents from us electronically, as permitted by
law. Insurance Policy Documents in electronic format will have the same contractual
force and effect as Insurance Policy Documents in paper format.
PAPER DOCUMENTS
If you consent to electronic transactions, including receiving
Insurance Policy Documents electronically, you may withdraw your consent at any time
and begin receiving Insurance Policy Documents in paper format. In addition, you may
request paper copies of your electronic Insurance Policy Documents at any time. However,
the Paper Documents Fee set forth in the “Disclosure of Fees” section above may apply
if you: (i) withdraw your consent to electronic transactions, including receiving
Insurance Policy Documents electronically; or (ii) request to receive paper copies of
your electronic Insurance Policy Documents. If you elect to receive paper copies of
Insurance Policy Documents, you may, at any time, request and consent to electronic
transactions, including receiving Insurance Policy Documents electronically. Please
call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy
Documents electronically, you must have: (i) a computer capable of connecting to the
Internet; (ii) an Internet Service Provider; (iii) a browser capable of viewing our Web
site; (iv) an email service account that allows you to read, write, and send email; and
(v) the ability to use hyperlinks to access other Web sites (collectively referred to
as the “Technical Requirements”). You must have the Technical Requirements to download,
display, print, and retain Insurance Policy Documents in Adobe Portable Display Format.
Once you purchase your Policy, you will be given the opportunity to download a free
copy of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive
calls and text messages on your cellular telephone, and on any other device on which
you may receive calls or text messages, from Esurance, its agents, affiliates and
service providers that are placed using an automatic telephone dialing system or using
artificial or prerecorded voice messages.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to
www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will be
accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located
on the page or in your browser frame. To download and save any of your
Insurance Policy Documents to your computer, open the insurance policy document
by clicking on its hyperlink or icon and follow Adobe Reader's directions for
downloading and saving documents.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business electronically,
then by accepting our renewal offer, you: (i) agree to continue to transact business
electronically through our Web site and by email to, among other things, make payments,
receive Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery by
U.S. Mail or other physical delivery method; provided, however, that, as required by
law, we will deliver certain Insurance Policy Documents, such as termination notices,
in paper format via U.S. Mail; and (iii) acknowledge that you have read the disclosure
regarding the use of electronic records and signatures in connection with your online
account as provided on our Web site. If you have previously chosen to transact
business by non-electronic means by receiving Insurance Policy Documents in paper
format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make any changes
or updates regarding your Policy then that choice will remain in effect until you
agree to transact business electronically.
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We greatly appreciate your business. Please read this Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer to Esurance Insurance
Services, Inc., doing business as Esurance or Esurance Insurance Agency Services.
"You" and "your" refer to the named insured(s) identified in the Declarations Page
("Declarations Page"), and any spouse of the named insured who resides in the same
household. "Insurance Policy Documents" collectively refers to your original
application, this Agreement, and all forms, endorsements, and notices issued to you
by us, including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have
described any business or commercial use of your vehicle(s); and (v) agree that,
subject to applicable law, no coverage will be bound if your financial institution
does not honor, or we do not receive, your payment.
DISCLOSURE OF FEES
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00 for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a proof of financial responsibility filing.
Michigan Catastrophic Claims Association Fee
You will be charged a Michigan Catastrophic Claims Association Fee for each vehicle insured,
as required by the Michigan Catastrophic Claims Association. This Michigan Catastrophic Claims
Association Fee includes the assessment for the Michigan Assigned Claims Facility, which is
charged annually or semi-annually per vehicle.
Automobile Theft Prevention Fund Fee
You will be charged an Automobile Theft Prevention Fund Fee per vehicle
per policy term, as required by the automobile theft prevention program in Michigan.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies
of Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Michigan is $0.00.
State-Required Fees
You will be charged for any other fees as required by your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy, in which case a cancellation notice will be mailed to the address
shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our files
and request the correction of any inaccuracies. More information about your rights and
our practices regarding your personal information is available upon request. Please
contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine the
correct premium to charge you, we order one or more reports provided by independent consumer
reporting agencies. These reports are necessary to verify information that you have provided
us. Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an
insurance claim history report, and, where allowed by law, an insurance score based on
information contained in your credit report. We may use a third party in connection with
the development of your insurance score. All reports are impartial statements of fact and
are kept strictly confidential. The information we obtain will be used only for business
purposes and to ensure that each applicant is evaluated fairly. Future reports may also be
used for an update, renewal, extension, cancellation, or non-renewal of your insurance coverage.
Upon request, we will provide you with the name, address, and telephone number of any consumer
reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you may request a
review once for every six-month policy term. Any adjustment in premium made pursuant to a change
in your credit history will be reflected on your next renewal offer.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or misleading information to an
insurance company for the purpose of defrauding the company. Penalties include imprisonment,
fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant to the rating
of your Policy or settlement of a claim, you hereby consent to the release of information
from that device to us and to any persons or entities working with us, subject to any
applicable state law. You also agree to fully cooperate with us when dealing with any
third party to facilitate the timely release of information contained on the device to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address, mailing address, or
telephone number by updating your online account with your new contact information,
calling our customer service center at 1-800-ESURANCE (1-800-378-7262), or by
sending an email to support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to ask
you for your consent to electronic transactions, including providing you with Insurance
Policy Documents electronically. If you have provided this consent to us previously, and
have not withdrawn such consent, you will continue to receive all of your Insurance Policy
Documents from us electronically, as permitted by law. Insurance Policy Documents in electronic
format will have the same contractual force and effect as Insurance Policy Documents in paper format.
PAPER DOCUMENTS
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies of
your electronic Insurance Policy Documents at any time. However, the Paper Documents Fee
set forth in the "Disclosure of Fees" section above may apply if you: (i) withdraw your
consent to electronic transactions, including receiving Insurance Policy Documents
electronically; or (ii) request to receive paper copies of your electronic Insurance
Policy Documents. If you elect to receive paper copies of Insurance Policy Documents,
you may, at any time, request and consent to electronic transactions, including receiving
Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE (1-800-378-7262)
for any such withdrawals or requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the
"Technical Requirements"). You must have the Technical Requirements to download,
display, print, and retain Insurance Policy Documents in Adobe Portable Display Format.
Once you purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable Display
Format. If you do not have the Technical Requirements, you cannot receive Insurance
Policy Documents electronically.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when you
created or updated your account. Your Insurance Policy Documents will be accessible
through your online account. To print any of your Insurance Policy Documents from your
online account, click the "print" button located on the page or in your browser frame.
To download and save any of your Insurance Policy Documents to your computer, open the
insurance policy document by clicking on its hyperlink or icon and follow Adobe Reader's
directions for downloading and saving documents.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls
and text messages on your cellular telephone, and on any other device
on which you may receive calls or text messages, from Esurance, its agents,
affiliates and service providers that are placed using an automatic telephone
dialing system or using artificial or prerecorded voice messages.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business electronically, then by accepting our
renewal offer, you: (i) agree to continue to transact business electronically through our
Web site and by email to, among other things, make payments, receive Insurance Policy
Documents, renew and terminate your Policy, and send to us and receive from us communications
related to your Policy; (ii) unless otherwise indicated, agree to accept all Insurance Policy
Documents electronically in lieu of delivery by U.S. Mail or other physical delivery method;
provided, however, that, as required by law, we will deliver certain Insurance Policy Documents,
such as termination notices, in paper format via U.S. Mail; and (iii) acknowledge that you have
read the disclosure regarding the use of electronic records and signatures in connection with
your online account as provided on our Web site. If you have previously chosen to transact
business by non-electronic means by receiving Insurance Policy Documents in paper format and by
calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates regarding your
Policy then that choice will remain in effect until you agree to transact business electronically.
|
We greatly appreciate your business. Please read this Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer to Esurance Insurance Services, Inc., doing business as
Esurance or Esurance Insurance Agency Services. "You" and "your" refer to the named insured(s) identified in
the Declarations Page ("Declarations Page"), and any spouse of the named insured who resides in the same household.
"Insurance Policy Documents" collectively refers to your original application, this Agreement, and all forms,
endorsements, and notices issued to you by us, including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of the terms and conditions contained herein;
(ii) declare that your Declarations Page is accurate and reflects your desired coverage selections and
coverage limits; (iii) declare that you have listed all drivers in your household, including any
regular or frequent operators of the vehicle(s) listed in the Declarations Page; (iv) declare that
you have described any business or commercial use of your vehicle(s); and (v) agree that, subject
to applicable law, no coverage will be bound if your financial institution does not honor, or we do not receive, your payment.
DISCLOSURE OF FEES
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00 for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a proof of financial responsibility filing.
Michigan Catastrophic Claims Association Fee
You will be charged a Michigan Catastrophic Claims Association Fee for each vehicle insured, as required by the Michigan Catastrophic Claims Association.
Michigan Assigned Claims Facility
The State of Michigan mandated Assigned Claims Facility assesses Esurance to cover the costs of assigned claims. This fee is collected for each vehicle on the policy to recoup the costs of the assessment.
Automobile Theft Prevention Fund Fee
You will be charged an Automobile Theft Prevention Fund Fee per vehicle per policy term, as required by the automobile theft prevention program in Michigan.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies of Insurance Policy Documents that we would otherwise provide to you electronically. The current Paper Documents Fee in Michigan is $0.00.
State-Required Fees
You will be charged for any other fees as required by your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy, in which case a cancellation notice will be mailed to the address shown
on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from persons other than you.
Such information, as well as other personal and privileged information collected
by us or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our files
and request the correction of any inaccuracies. More information about your rights and
our practices regarding your personal information is available upon request. Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that you
have provided us. Examples of reports include, but are not limited to, a Motor Vehicle
Report (MVR), an insurance claim history report, and, where allowed by law, an insurance
score based on information contained in your credit report. We may use a third party in
connection with the development of your insurance score. All reports are impartial statements
of fact and are kept strictly confidential. The information we obtain will be used only for
business purposes and to ensure that each applicant is evaluated fairly. Future reports may also
be used for an update, renewal, extension, cancellation, or non-renewal of your insurance coverage.
Upon request, we will provide you with the name, address, and telephone number of any consumer
reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you may
request a review once for every six-month policy term. Any adjustment in premium made
pursuant to a change in your credit history will be reflected on your next renewal offer.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or misleading information to an
insurance company for the purpose of defrauding the company. Penalties include imprisonment,
fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification device,
or any similar device capable of providing information relevant to the rating of your Policy
or settlement of a claim, you hereby consent to the release of information from that device
to us and to any persons or entities working with us, subject to any applicable state law.
You also agree to fully cooperate with us when dealing with any third party to facilitate
the timely release of information contained on the device to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling our
customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an email to support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to
ask you for your consent to electronic transactions, including providing you with
Insurance Policy Documents electronically. If you have provided this consent to us
previously, and have not withdrawn such consent, you will continue to receive all
of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
PAPER DOCUMENTS
If you consent to electronic transactions, including receiving Insurance Policy Documents
electronically, you may withdraw your consent at any time and begin receiving Insurance
Policy Documents in paper format. In addition, you may request paper copies of your
electronic Insurance Policy Documents at any time. However, the Paper Documents Fee
set forth in the "Disclosure of Fees" section above may apply if you: (i) withdraw
your consent to electronic transactions, including receiving Insurance Policy Documents
electronically; or (ii) request to receive paper copies of your electronic Insurance
Policy Documents. If you elect to receive paper copies of Insurance Policy Documents,
you may, at any time, request and consent to electronic transactions, including receiving
Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE (1-800-378-7262)
for any such withdrawals or requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email service
account that allows you to read, write, and send email; and (v) the ability to use hyperlinks
to access other Web sites (collectively referred to as the "Technical Requirements").
You must have the Technical Requirements to download, display, print, and retain Insurance
Policy Documents in Adobe Portable Display Format. Once you purchase your Policy, you will
be given the opportunity to download a free copy of Adobe Reader so that you can view
Insurance Policy Documents in Adobe Portable Display Format. If you do not have the
Technical Requirements, you cannot receive Insurance Policy Documents electronically.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when you created
or updated your account. Your Insurance Policy Documents will be accessible through your online
account. To print any of your Insurance Policy Documents from your online account, click
the "print" button located on the page or in your browser frame. To download and save any
of your Insurance Policy Documents to your computer, open the insurance policy document by
clicking on its hyperlink or icon and follow Adobe Reader's directions for downloading and saving documents.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text messages on
your cellular telephone, and on any other device on which you may receive calls or text messages,
from Esurance, its agents, affiliates and service providers that are placed using an automatic
telephone dialing system or using artificial or prerecorded voice messages.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business electronically, then by accepting our renewal
offer, you: (i) agree to continue to transact business electronically through our Web site and by
email to, among other things, make payments, receive Insurance Policy Documents, renew and terminate
your Policy, and send to us and receive from us communications related to your Policy; (ii) unless
otherwise indicated, agree to accept all Insurance Policy Documents electronically in lieu of
delivery by U.S. Mail or other physical delivery method; provided, however, that, as required by
law, we will deliver certain Insurance Policy Documents, such as termination notices, in paper
format via U.S. Mail; and (iii) acknowledge that you have read the disclosure regarding the use
of electronic records and signatures in connection with your online account as provided on our
Web site. If you have previously chosen to transact business by non-electronic means by receiving
Insurance Policy Documents in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262)
to make any changes or updates regarding your Policy then that choice will remain in effect until you
agree to transact business electronically.
|
|
We greatly appreciate your business. Please read this
Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we,"
"us," and "our" refer to Esurance Insurance Services, Inc.,
doing business as Esurance or Esurance Insurance Agency Services.
"You" and "your" refer to the named insured(s) identified
in the Declarations Page ("Declarations Page"), and any spouse of the
named insured who resides in the same household. "Insurance Policy
Documents" collectively refers to your original application, this
Agreement, and all forms, endorsements, and notices issued to you by us,
including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of
the terms and conditions contained herein; (ii) declare that your Declarations
Page is accurate and reflects your desired coverage selections and coverage
limits; (iii) declare that you have listed all drivers in your household,
including any regular or frequent operators of the vehicle(s) listed in the
Declarations Page; (iv) declare that you have described any business or
commercial use of your vehicle(s); and (v) agree that, subject to applicable
law, no coverage will be bound if your financial institution does not honor, or
we do not receive, your payment.
DISCLOSURE OF FEES
Installment Fee
You may be charged an Installment Fee, as allowed by your
state, if you elect to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company
Notification Service Fee of $3.00 for each financed or leased vehicle listed on
the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each
payment that is not received by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each
driver who requires a proof of financial responsibility filing.
Driver Exclusion Fee
You may be charged a Driver Exclusion Fee of $25.00 if a
driver is excluded from your Policy upon your request.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to
receive paper copies of Insurance Policy Documents that we would otherwise
provide to you electronically. The current Paper Documents Fee in Minnesota is
$25.00.
Auto Theft Prevention Fee
You will be charged an Auto Theft Prevention Fee for each
vehicle insured for Comprehensive Coverage, as required by the automobile theft
prevention program in Minnesota.
State-Required Fees
You will be charged for any other fees as required by
your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your
payment must be received by its due date. We do not accept partial payments of
the invoiced amount. If your full payment for the invoiced amount is not
received by the due date, a Late Payment Fee will be charged to your account.
Any unpaid premium may result in the cancellation of your Policy. If a
cancellation notice is generated, it will be mailed to the address shown on
your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from
persons other than you. Such information, as well as other personal and
privileged information collected by us or our agents, will be used to make
underwriting decisions in connection with the insurance for which you have
applied, sought reinstatement, or requested a change in benefits, and may, in
certain circumstances and as permitted by law, be disclosed to third parties.
You have the right to review your personal information in our files and request
the correction of any inaccuracies. More information about your rights and our
practices regarding your personal information is available upon request. Please
contact us for more information.
In order to evaluate your eligibility for insurance
coverage with us and to determine the correct premium to charge you, we order
one or more reports provided by independent consumer reporting agencies. These
reports are necessary to verify information that you have provided us. Examples
of reports include, but are not limited to, a Motor Vehicle Report (MVR), an
insurance claim history report, and, where allowed by law, an insurance score
based on information contained in your credit report. We may use a third party
in connection with the development of your insurance score. All reports are
impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure
that each applicant is evaluated fairly. Future reports may also be used for an
update, renewal, extension, cancellation, or non-renewal of your insurance coverage.
Upon request, we will provide you with the name, address, and telephone number
of any consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally
required to do so, or you may request a review once for every six-month policy
term. Any adjustment in premium made pursuant to a change in your credit
history will be reflected on your next renewal offer.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or
misleading information to an insurance company for the purpose of defrauding
the company. Penalties include imprisonment, fines, and denial of insurance
benefits. A person who files a claim with intent to defraud or helps commit a
fraud against an insurer is guilty of a crime.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data
Recorder, mileage verification device, or any similar device capable of
providing information relevant to the rating of your Policy or settlement of a
claim, you hereby consent to the release of information from that device to us
and to any persons or entities working with us, subject to any applicable state
law. You also agree to fully cooperate with us when dealing with any third
party to facilitate the timely release of information contained on the device
to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address,
mailing address, or telephone number by updating your online account with your
new contact information, calling our customer service center at 1-800-ESURANCE
(1-800-378-7262), or by sending an email to support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce
Act of 2000 requires us to ask you for your consent to electronic transactions,
including providing you with Insurance Policy Documents electronically. If you
have provided this consent to us previously, and have not withdrawn such consent,
you will continue to receive all of your Insurance Policy Documents from us
electronically, as permitted by law. Insurance Policy Documents in electronic
format will have the same contractual force and effect as Insurance Policy Documents
in paper format
PAPER DOCUMENTS
If you consent to electronic transactions, including
receiving Insurance Policy Documents electronically, you may withdraw your
consent at any time and begin receiving Insurance Policy Documents in paper
format. In addition, you may request paper copies of your electronic Insurance
Policy Documents at any time. However, the Paper Documents Fee set forth in the
“Disclosure of Fees” section above may apply if you: (i) withdraw your consent
to electronic transactions, including receiving Insurance Policy Documents
electronically; or (ii) request to receive paper copies of your electronic
Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic
transactions, including receiving Insurance Policy Documents electronically.
Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals
or requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy
Documents electronically, you must have: (i) a computer capable of connecting
to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of
viewing our Web site; (iv) an email service account that allows you to read,
write, and send email; and (v) the ability to use hyperlinks to access other
Web sites (collectively referred to as the "Technical Requirements").
You must have the Technical Requirements to download, display, print, and
retain Insurance Policy Documents in Adobe Portable Display Format. Once you
purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe
Portable Display Format. If you do not have the Technical Requirements, you
cannot receive Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to
receive calls and text messages on your cellular telephone, and on any other
device on which you may receive calls or text messages, from Esurance, its agents,
affiliates and service providers that are placed using an automatic telephone
dialing system or using artificial or prerecorded voice messages.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com and
log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will be
accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located
on the page or in your browser frame. To download and save any of your Insurance
Policy Documents to your computer, open the insurance policy document by
clicking on its hyperlink or icon and follow Adobe Reader's directions for
downloading and saving documents.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business electronically,
then by accepting our renewal offer, you: (i) agree to continue to transact business
electronically through our Web site and by email to, among other things, make payments,
receive Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery by U.S.
Mail or other physical delivery method; provided, however, that, as required by law, we
will deliver certain Insurance Policy Documents, such as termination notices, in paper
format via U.S. Mail; and (iii) acknowledge that you have read the disclosure regarding
the use of electronic records and signatures in connection with your online account as
provided on our Web site. If you have previously chosen to transact business by
non-electronic means by receiving Insurance Policy Documents in paper format and by calling
Esurance at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates regarding your
Policy then that choice will remain in effect until you agree to transact business
electronically.
|
|
We greatly appreciate your business. Please read this
Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we,"
"us," and "our" refer to Esurance Insurance Services, Inc.,
doing business as Esurance or Esurance Insurance Agency Services.
"You" and "your" refer to the named insured(s) identified
in the Declarations Page ("Declarations Page"), and any spouse of the
named insured who resides in the same household. "Insurance Policy
Documents" collectively refers to your original application, this
Agreement, and all forms, endorsements, and notices issued to you by us,
including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of
the terms and conditions contained herein; (ii) declare that your Declarations
Page is accurate and reflects your desired coverage selections and coverage
limits; (iii) declare that you have listed all drivers in your household,
including any regular or frequent operators of the vehicle(s) listed in the
Declarations Page; (iv) declare that you have described any business or
commercial use of your vehicle(s); and (v) agree that no coverage will be bound
if your financial institution does not honor, or we do not receive, your
payment.
DISCLOSURE OF FEES
Installment Fee
You may be charged an Installment Fee, as allowed by your
state, if you elect to pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each
payment that is not received by the payment due date.
Reinstatement Fee
You may be charged a Reinstatement Fee of $25.00 if your Policy
is canceled and subsequently reinstated.
State-Required Fees
You will be charged for fees as required or permitted by
your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your
payment must be received by its due date. We do not accept partial payments of
the invoiced amount. If your full payment for the invoiced amount is not
received by the due date, a Late Payment Fee will be charged to your account.
Any unpaid premium may result in the cancellation of your Policy, in which case
a cancellation notice will be mailed to the address shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from
persons other than you. Such information, as well as other personal and
privileged information collected by us or our agents, may, in certain
circumstances and as permitted by law, be disclosed to third parties. You have
the right to review your personal information in our files and request the
correction of any inaccuracies. More information about your rights and our
practices regarding your personal information is available upon request. Please
contact us for more information.
In order to evaluate your eligibility for insurance
coverage with us and to determine the correct premium to charge you, we order
one or more reports provided by independent consumer reporting agencies. These
reports are necessary to verify information that you have provided us. Examples
of reports include, but are not limited to, a Motor Vehicle Report (MVR), an
insurance claim history report, and, where allowed by law, an insurance score
based on information contained in your credit report. We may use a third party
in connection with the development of your insurance score. All reports are
impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure
that each applicant is evaluated fairly. Future reports may also be used for an
update, renewal, extension, cancellation, or non-renewal of your insurance
coverage. Upon request, we will provide you with the name, address, and
telephone number of any consumer reporting agency that furnishes us with your
report.
We will review your credit history when we are legally
required to do so, or you may request a review once for every six-month policy
term. Any adjustment in premium made pursuant to a change in your credit
history will be reflected on your next renewal offer.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or
misleading information to an insurance company for the purpose of defrauding
the company. Penalties include imprisonment, fines, and denial of insurance
benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data
Recorder, mileage verification device, or any similar device capable of
providing information relevant to the rating of your Policy or settlement of a
claim, you hereby consent to the release of information from that device to us
and to any persons or entities working with us, subject to any applicable state
law. You also agree to fully cooperate with us when dealing with any third
party to facilitate the timely release of information contained on the device
to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address,
mailing address, or telephone number by updating your online account with your
new contact information, calling our customer service center at 1-800-ESURANCE
(1-800-378-7262), or by sending an email to support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce Act of 2000
requires us to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent to us
previously, and have not withdrawn such consent, you will continue to receive all of your
Insurance Policy Documents from us electronically, as permitted by law. Insurance Policy
Documents in electronic format will have the same contractual force and effect as Insurance
Policy Documents in paper format.
PAPER DOCUMENTS
If you consent to receive Insurance Policy Documents electronically, you may withdraw your consent
at any time and begin receiving Insurance Policy Documents in paper format. In addition, you may
request paper copies of your electronic Insurance Policy Documents at any time. If you elect to
receive paper copies of Insurance Policy Documents, you may, at any time, request and consent
to receive Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE
(1-800-378-7262) for any such withdrawals or requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy Documents
electronically, you must have: (i) a computer capable of connecting to the Internet; (ii)
an Internet Service Provider; (iii) a browser capable of viewing our Web site; (iv) an
email service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display, print, and
retain Insurance Policy Documents in Adobe Portable Display Format. Once you purchase your
Policy, you will be given the opportunity to download a free copy of Adobe Reader so that
you can view Insurance Policy Documents in Adobe Portable Display Format. If you do not
have the Technical Requirements, you cannot receive Insurance Policy Documents
electronically.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com and
log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will be
accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located
on the page or in your browser frame. To download and save any of your
Insurance Policy Documents to your computer, open the insurance policy document
by clicking on its hyperlink or icon and follow Adobe Reader's directions for
downloading and saving documents.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
By accepting our renewal offer, you: (i) agree to continue to transact business
electronically through our Web site and by email to, among other things, make payments,
receive Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery by U.S.
Mail or other physical delivery method; provided, however, that, as required by law, we will
deliver certain Insurance Policy Documents, such as termination notices, in paper format via U.S.
Mail; and (iii) acknowledge that you have read the disclosure regarding the use of electronic records
and signatures in connection with your online account as provided on our Web site.
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Welcome to Esurance! We greatly appreciate your business. Please read this Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Terms and Conditions Agreement ("Agreement"), "we," "us," and "our" refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance Insurance Agency Services. "You" and "your" refer to the named insured(s) identified in the Declarations Page ("Declaration Page"), and any spouse of the named insured who resides in the same household. "Insurance Policy Documents" collectively refers to your Application, this Agreement, your Declarations Page, and all forms, endorsements, and notices issued to you by us, including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of the terms and conditions contained herein; (ii) declare that your Declarations Page is accurate and reflects your desired coverage selections and coverage limits; (iii) declare that you have listed all drivers in your household, including any regular or frequent operators of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described any business or commercial use of your vehicle(s); and (v) agree that no coverage will be bound if your financial institution does not honor, or we do not receive, your payment; provided, however, that you will have the earlier of five days after actual notice by certified mail is received by you, or 15 days after notice is sent to you by certified or registered mail, to cure your non-payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received by the payment due date.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00 for each financed or leased vehicle listed on the Application.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a proof of financial responsibility filing.
Named Driver Fee
You may be charged a Named Driver Fee of $25.00 to print, process and mail a driver exclusion form.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any reason or if we cancel your Policy due to your failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee of $25.00 for electing to receive paper copies of Insurance Policy Documents that we would otherwise provide to you electronically.
State-Required Fees
You will be charged for fees as required by your state,if any.
Cancellation for Non-Payment of Premium
To keep your Policy current and avoid cancellation, your payment must be received by its due date. We do not accept partial payments of the invoiced amount. If your full payment for the invoiced amount is not received by the due date, a Late Payment Fee will be charged to your account. Any unpaid premium may result in the cancellation of your Policy, in which case a cancellation notice will be mailed to the address shown on your Policy.
Release of Information Contained in Devices
If your insured vehicle is equipped with an Event Data Recorder, mileage verification device, or any similar device capable of providing information relevant to the rating of your Policy or settlement of a claim, you hereby consent to the release of information from that device to us and to any persons or entities working with us, subject to any applicable state law. You also agree to fully cooperate with us when dealing with any third party to facilitate the timely release of information contained on the device to us.
Notice of Insurance Practices and use of Consumer Reports
Personal information about you may be collected from persons other than you. Such information, as well as other personal and privileged information collected by us or our agents, may, in certain circumstances and as permitted by law, be disclosed to third parties. You have the right to review your personal information in our files and request the correction of any inaccuracies. More information about your rights and our practices regarding your personal information is available upon request. Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine the correct premium to charge you, we order one or more reports provided by independent consumer reporting agencies. These reports are necessary to verify information that you have provided us. Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history report, and, where allowed by law, an insurance score based on information contained in your credit report. We may use a third party in connection with the development of your insurance score. All reports are impartial statements of fact and are kept strictly confidential. The information we obtain will be used only for business purposes and to ensure that each applicant is evaluated fairly. Future reports may also be used for an update, renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon request, we will provide you with the name, address, and telephone number of any consumer reporting agency that furnishes us with your report.
Electronic Transactions
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to ask you for your consent to electronic transactions, including providing you with Insurance Policy Documents electronically. If you have provided this consent to us previously, and have not withdrawn such consent, you will continue to receive all of your Insurance Policy Documents from us electronically, as permitted by law. Insurance Policy Documents in electronic format will have the same contractual force and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy Documents electronically, you may withdraw your consent at any time and begin receiving Insurance Policy Documents in paper format. In addition, you may request paper copies of your electronic Insurance Policy Documents at any time. However, the Paper Documents Fee set forth in the "Disclosure of Fees" section above may apply if you: (i) withdraw your consent to electronic transactions, including receiving Insurance Policy Documents electronically; or (ii) request to receive paper copies of your electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance Policy Documents, you may, at any time, request and consent to electronic transactions, including receiving Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements For Electronic Delivery
Before you give your consent to electronic transactions, including receiving Insurance Policy Documents electronically, please be aware that, in order to access Insurance Policy Documents electronically, you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email service account that allows you to read, write, and send email; and (v) the ability to use hyperlinks to access other Web sites (collectively referred to as the "Technical Requirements"). You must have the Technical Requirements to download, display, print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once you purchase your Policy, you will be given the opportunity to download a free copy of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable Display Format. If you do not have the Technical Requirements, you cannot receive Insurance Policy Documents electronically.
Accessing Your Online Account
To access your online account, go to www.esurance.com and log in to your account with the email address and password you provided when you created or updated your account. Your Insurance Policy Documents will be accessible through your online account. To print any of your Insurance Policy Documents from your online account, click the "print" button located on the page or in your browser frame. To download and save any of your Insurance Policy Documents to your computer, open the insurance policy document by clicking on its hyperlink or icon and follow Adobe Reader's directions for downloading and saving documents.
Cell Phone Policy
You agree that you are providing your express consent to receive calls and text messages on your cellular telephone, and on any other device on which you may receive calls or text messages, from Esurance, its agents, affiliates and service providers that are placed using an automatic telephone dialing system or using artificial or prerecorded voice messages.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone number by updating your online account with your new contact information, calling our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an email to support@csr.esurance.com.
FRAUDULENT INFORMATION STATEMENT
Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.
Consent to Transact Business Electronically.
If you have previously agreed to transact business electronically, then by accepting our renewal offer, you: (i) agree to continue to transact business electronically through our Web site and by email to, among other things, make payments, receive Insurance Policy Documents, renew and terminate your Policy, and send to us and receive from us communications related to your Policy; (ii) unless otherwise indicated, agree to accept all Insurance Policy Documents electronically in lieu of delivery by U.S. Mail or other physical delivery method; provided, however, that, as required by law, we will deliver certain Insurance Policy Documents, such as termination notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read the disclosure regarding the use of electronic records and signatures in connection with your online account as provided on our Web site. If you have previously chosen to transact business by non-electronic means by receiving Insurance Policy Documents in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates regarding your Policy then that choice will remain in effect until you agree to transact business electronically.
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We greatly appreciate your business. Please read this
Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we,"
"us," and "our" refer to Esurance Insurance Services, Inc.,
doing business as Esurance or Esurance Insurance Agency Services.
"You" and "your" refer to the named insured(s) identified
in the Declarations Page ("Declarations Page"), and any spouse or
legally recognized civil union partner of the named insured who resides in the
same household. "Insurance Policy Documents" collectively refers to
your original application, this Agreement, and all forms, endorsements, and
notices issued to you by us, including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of
the terms and conditions contained herein; (ii) declare that your Declarations
Page is accurate and reflects your desired coverage selections and coverage
limits; (iii) declare that you have listed all drivers in your household, including
any regular or frequent operators of the vehicle(s) listed in the Declarations
Page; (iv) declare that you have described any business or commercial use of
your vehicle(s); and (v) agree that, subject to applicable law, no coverage
will be bound if your financial institution does not honor, or we do not
receive, your payment.
DISCLOSURE OF FEES
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to pay your
premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $10.00 for each
payment that is not received by the payment due date.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to
receive paper copies of Insurance Policy Documents that we would otherwise
provide to you electronically. The current Paper Documents Fee in New Jersey is
$25.00.
Property Liability Insurance Guaranty Association Fee
You may be charged a Property Liability Insurance
Guaranty Association Fee to offset our mandatory contribution to the New Jersey
Property Liability Insurance Guaranty Association.
State-Required Fees
You will be charged for any other fees as required by
your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your
payment must be received by its due date. We do not accept partial payments of
the invoiced amount. If your full payment for the invoiced amount is not
received by the due date, a Late Payment Fee will be charged to your account.
Any unpaid premium may result in the cancellation of your Policy, in which case
a cancellation notice will be mailed to the address shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from
persons other than you. Such information, as well as other personal and
privileged information collected by us or our agents, may, in certain
circumstances and as permitted by law, be disclosed to third parties. You have
the right to review your personal information in our files and request the
correction of any inaccuracies. More information about your rights and our
practices regarding your personal information is available upon request. Please
contact us for more information.
In order to evaluate your eligibility for insurance
coverage with us and to determine the correct premium to charge you, we order
one or more reports provided by independent consumer reporting agencies. These
reports are necessary to verify information that you have provided us. Examples
of reports include, but are not limited to, a Motor Vehicle Report (MVR), an
insurance claim history report, and, where allowed by law, an insurance score
based on information contained in your credit report. We may use a third party
in connection with the development of your insurance score. All reports are
impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure
that each applicant is evaluated fairly. Future reports may also be used for an
update, renewal, extension, cancellation, or non-renewal of your insurance
coverage. Upon request, we will provide you with the name, address, and
telephone number of any consumer reporting agency that furnishes us with your
report.
We will review your credit history when we are legally
required to do so, or you may request a review once for every six-month policy
term. Any adjustment in premium made pursuant to a change in your credit
history will be reflected on your next renewal offer.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or
misleading information to an insurance company for the purpose of defrauding
the company. Penalties include imprisonment, fines, and denial of insurance
benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data
Recorder, mileage verification device, or any similar device capable of
providing information relevant to the rating of your Policy or settlement of a
claim, you hereby consent to the release of information from that device to us
and to any persons or entities working with us, subject to any applicable state
law. You also agree to fully cooperate with us when dealing with any third
party to facilitate the timely release of information contained on the device
to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address,
mailing address, or telephone number by updating your online account with your
new contact information, calling our customer service center at 1-800-ESURANCE
(1-800-378-7262), or by sending an email to support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce Act of 2000
requires us to ask you for your consent to electronic transactions, including providing you with
Insurance Policy Documents electronically. If you have provided this consent to us previously,
and have not withdrawn such consent, you will continue to receive all of your Insurance Policy
Documents from us electronically, as permitted by law. Insurance Policy Documents in electronic
format will have the same contractual force and effect as Insurance Policy Documents in paper
format.
PAPER DOCUMENTS
If you consent to electronic transactions, including receiving Insurance
Policy Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies of your
electronic Insurance Policy Documents at any time. However, the Paper Documents Fee set forth in
the “Disclosure of Fees” section above may apply if you: (i) withdraw your consent to electronic
transactions, including receiving Insurance Policy Documents electronically; or (ii) request to
receive paper copies of your electronic Insurance Policy Documents. If you elect to receive
paper copies of Insurance Policy Documents, you may, at any time, request and consent to
electronic transactions, including receiving Insurance Policy Documents electronically. Please
call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy
Documents electronically, you must have: (i) a computer capable of connecting
to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of
viewing our Web site; (iv) an email service account that allows you to read,
write, and send email; and (v) the ability to use hyperlinks to access other
Web sites (collectively referred to as the "Technical Requirements").
You must have the Technical Requirements to download, display, print, and
retain Insurance Policy Documents in Adobe Portable Display Format. Once you
purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe
Portable Display Format. If you do not have the Technical Requirements, you
cannot receive Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and
text messages on your cellular telephone, and on any other device on which you may receive calls
or text messages, from Esurance, its agents, affiliates and service providers that are placed
using an automatic telephone dialing system or using artificial or prerecorded voice
messages.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com and
log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will be
accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located
on the page or in your browser frame. To download and save any of your
Insurance Policy Documents to your computer, open the insurance policy document
by clicking on its hyperlink or icon and follow Adobe Reader's directions for
downloading and saving documents.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business electronically, then by
accepting our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive Insurance
Policy Documents, renew and terminate your Policy, and send to us and receive from us
communications related to your Policy; (ii) unless otherwise indicated, agree to accept all
Insurance Policy Documents electronically in lieu of delivery by U.S. Mail or other physical
delivery method; provided, however, that, as required by law, we will deliver certain Insurance
Policy Documents, such as termination notices, in paper format via U.S. Mail; and (iii)
acknowledge that you have read the disclosure regarding the use of electronic records and
signatures in connection with your online account as provided on our Web site. If you have
previously chosen to transact business by non-electronic means by receiving Insurance Policy
Documents in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make
any changes or updates regarding your Policy then that choice will remain in effect until you
agree to transact business electronically.
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We greatly appreciate your business. Please read this
Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we," "us," and
"our" refer to Esurance Insurance Services, Inc., doing business as Esurance
or Esurance Insurance Agency Services. "You" and "your" refer to the
named insured(s) identified in the Declarations Page ("Declarations Page"),
and any spouse of the named insured who resides in the same household.
"Insurance Policy Documents" collectively refers to your original application,
this Agreement, and all forms, endorsements, and notices issued to you by us, including
any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of the terms
and conditions contained herein; (ii) declare that your Declarations Page is accurate
and reflects your desired coverage selections and coverage limits; (iii) declare that
you have listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage will
be bound if your financial institution does not honor, or we do not receive, your payment.
DISCLOSURE OF FEES
Installment Fee
You may be charged an Installment Fee, as allowed by your
state, if you elect to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of
$3.00 for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for
each payment that is not received by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for
each driver who requires a proof of financial responsibility filing.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if
you cancel your Policy for any reason.
Driving Device Restocking Fee
You may be charged a Driving Device Restocking Fee
of $100.00 for each device when the device(s) is/are
not returned following policy cancellation or opting out
of the DriveSenseTM Discount program.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing
to receive paper copies of Insurance Policy Documents
that we would otherwise provide to you electronically.
The current Paper Documents Fee in Nebraska is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation,
your payment must be received by its due date. We do not accept partial
payments of the invoiced amount. If your full payment for the invoiced
amount is not received by the due date, a Late Payment Fee will be
charged to your account. Any unpaid premium may result in the cancellation
of your Policy, in which case a cancellation notice will be mailed to the
address shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected
from persons other than you. Such information, as well as other
personal and privileged information collected by us or our agents, may,
in certain circumstances and as permitted by law, be disclosed to third
parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information
about your rights and our practices regarding your personal information
is available upon request. Please contact us for more information.
In order to evaluate your eligibility for insurance
coverage with us and to determine the correct premium to charge you, we
order one or more reports provided by independent consumer reporting agencies.
These reports are necessary to verify information that you have provided us.
Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR),
an insurance claim history report, and, where allowed by law, an insurance score
based on information contained in your credit report. We may use a third party
in connection with the development of your insurance score. All reports are
impartial statements of fact and are kept strictly confidential. The information
we obtain will be used only for business purposes and to ensure that each
applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage.
Upon request, we will provide you with the name, address, and telephone number
of any consumer reporting agency that furnishes us with your report.
We will review your credit history when we are
legally required to do so, or you may request a review once for every
six-month policy term. Any adjustment in premium made pursuant to a
change in your credit history will be reflected on your next renewal offer.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete,
or misleading information to an insurance company for the purpose of
defrauding the company. Penalties include imprisonment, fines, and
denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data
Recorder, mileage verification device, or any similar device capable of
providing information relevant to the rating of your Policy or settlement
of a claim, you hereby consent to the release of information from that device
to us and to any persons or entities working with us, subject to any applicable
state law. You also agree to fully cooperate with us when dealing with any
third party to facilitate the timely release of information contained on the device to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address,
mailing address, or telephone number by updating your online account with your
new contact information, calling our customer service center at 1-800-ESURANCE
(1-800-378-7262), or by sending an email to support@csr.esurance.com.
NOT AT FAULT INCIDENT REVIEW
You may request a review of your policy as your
Not At Fault incidents age off. Any adjustment in premium made
pursuant to a change in your driving record history will be reflected on
your next renewal offer.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National
Commerce Act of 2000 requires us to ask you for your consent to electronic
transactions, including providing you with Insurance Policy Documents
electronically. If you have provided this consent to us previously, and
have not withdrawn such consent, you will continue to receive all of your
Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same
contractual force and effect as Insurance Policy Documents in paper format.
PAPER DOCUMENTS
If you consent to electronic transactions, including
receiving Insurance Policy Documents electronically, you may withdraw
your consent at any time and begin receiving Insurance Policy Documents
in paper format. In addition, you may request paper copies of your
electronic Insurance Policy Documents at any time. However, the Paper
Documents Fee set forth in the "Disclosure of Fees" section above may
apply if you: (i) withdraw your consent to electronic transactions,
including receiving Insurance Policy Documents electronically; or
(ii) request to receive paper copies of your electronic Insurance
Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic
transactions, including receiving Insurance Policy Documents electronically.
Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy
Documents electronically, you must have: (i) a computer capable of connecting
to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of
viewing our Web site; (iv) an email service account that allows you to read,
write, and send email; and (v) the ability to use hyperlinks to access other
Web sites (collectively referred to as the "Technical Requirements"). You must
have the Technical Requirements to download, display, print, and retain
Insurance Policy Documents in Adobe Portable Display Format. Once you
purchase your Policy, you will be given the opportunity to download a free
copy of Adobe Reader so that you can view Insurance Policy Documents in Adobe
Portable Display Format. If you do not have the Technical Requirements, you
cannot receive Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent
to receive calls and text messages on your cellular telephone, and on any
other device on which you may receive calls or text messages, from Esurance,
its agents, affiliates and service providers that are placed using an
automatic telephone dialing system or using artificial or prerecorded voice messages.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com and log in to your account with the email address and
password you provided when you created or updated your account. Your Insurance
Policy Documents will be accessible through your online account. To print any of your
Insurance Policy Documents from your online account, click the "print" button located
on the page or in your browser frame. To download and save any of your Insurance Policy
Documents to your computer, open the insurance policy document by clicking on its
hyperlink or icon and follow Adobe Reader’s directions for downloading and saving documents.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business
electronically, then by accepting our renewal offer, you: (i) agree to
continue to transact business electronically through our Web site and
by email to, among other things, make payments, receive Insurance Policy
Documents, renew and terminate or rescind your Policy, and send to us
and receive from us communications related to your Policy; (ii) unless
otherwise indicated, agree to accept all Insurance Policy Documents
electronically in lieu of delivery by U.S. Mail or other physical
delivery method; provided, however, that we may deliver certain Insurance
Policy Documents in paper format via U.S. Mail; and (iii) acknowledge
that you have read the disclosure regarding the use of electronic
records and signatures in connection with your online account as
provided on our Web site. If you have previously chosen to transact
business by non-electronic means by receiving Insurance Policy Documents
in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262)
to make any changes or updates regarding your Policy then that choice will
remain in effect until you agree to transact business electronically.
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Welcome to Esurance! We greatly appreciate your business. Please read this Terms
and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer to Esurance Insurance Services,
Inc., doing business as Esurance or Esurance Insurance Agency Services. "You" and
"your" refer to the named insured(s) identified in the application for insurance
("Application"), and any spouse of the named insured who resides in the same household.
"Insurance Policy Documents" collectively refers to your Application, this Agreement,
and all forms, endorsements, and notices issued to you by us, including any electronic
communications.
Declaration Statements
By completing the Application and clicking on "I accept" below, you: (i) declare
that you have read and completed the Application on your own; (ii) declare that
the Application has not been completed by any other individual, including an insurance
agent, broker, consultant, or representative, even if you have consulted with any
such persons; (iii) agree to all of the terms and conditions contained herein; (iv)
declare that the statements contained in the Application are true to the best of
your knowledge; (v) agree to pay any applicable surcharges resulting from inaccurate
statements in the Application; (vi) acknowledge that your insurance policy ("Policy")
may be canceled and a claim may be denied if the Application contains any false
information or misrepresentation, or if any information that would affect our underwriting
decision has been omitted or misrepresented; (vii) declare that you have listed
all drivers in your household, including any regular or frequent operators of the
vehicle(s) described in the Application; (viii) declare that you have described
any business or commercial use of your vehicle(s) in the Application; and (ix) agree
that no coverage will be bound if your financial institution does not honor, or
we do not receive, your payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to
pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00
for each financed or leased vehicle listed on the Application.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received
by the payment due date.
Non-Sufficient Funds Fee
You may be charged a Non-Sufficient Funds Fee of $20.00 for any payment that is
not honored because insufficient funds are available in the account on which the
payment was drawn.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a
proof of financial responsibility filing.
Driver Exclusion Fee
You may be charged a Driver Exclusion Fee of $25.00 if a driver is excluded from
your Policy upon your request.
Reinstatement Fee
You may be charged a Reinstatement Fee of $25.00 if your Policy is canceled and
subsequently reinstated.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any
reason or if we cancel your Policy due to your failure to pay any premium when due.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy. If a cancellation notice is generated, you will be charged a Cancellation
Fee and a cancellation notice will be mailed to the address shown on your Policy.
Proof of Insurance
You may be required to provide proof of insurance with your current insurance carrier
in the form of a declarations page, renewal offer, or other document clearly indicating
the coverage period and your current liability coverage limits. Your failure to
provide the required documentation may result in the re-rating of your insurance
coverage and/or the termination of your Policy.
Notice of Insurance Practices and Use of
Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
Fraudulent Information Statement
It is a crime to knowingly provide false, incomplete, or misleading information
to an insurance company for the purpose of defrauding the company. Penalties include
imprisonment, fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant to the rating
of your Policy or settlement of a claim, you hereby consent to the release of information
from that device to us and to any persons or entities working with us, subject to
any applicable state law. You also agree to fully cooperate with us when dealing
with any third party to facilitate the timely release of information contained on
the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires us
to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you consent, you will receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you: (i) do
not consent to electronic transactions, including receiving Insurance Policy Documents
electronically; (ii) withdraw your consent to electronic transactions, including
receiving Insurance Policy Documents electronically; or (iii) request to receive
paper copies of your electronic Insurance Policy Documents. If you elect to receive
paper copies of Insurance Policy Documents, you may, at any time, request and consent
to electronic transactions, including receiving Insurance Policy Documents electronically.
Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for Electronic Delivery
Before you give your consent to electronic transactions, including receiving Insurance
Policy Documents electronically, please be aware that, in order to access Insurance
Policy Documents electronically, you must have: (i) a computer capable of connecting
to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of viewing
our Web site; (iv) an email service account that allows you to read, write, and
send email; and (v) the ability to use hyperlinks to access other Web sites (collectively
referred to as the "Technical Requirements"). You must have the Technical Requirements
to download, display, print, and retain Insurance Policy Documents in Adobe Portable
Display Format. Once you purchase your Policy, you will be given the opportunity
to download a free copy of Adobe Reader so that you can view Insurance Policy Documents
in Adobe Portable Display Format. If you do not have the Technical Requirements,
you cannot receive Insurance Policy Documents electronically.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will
be accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located on the page
or in your browser frame. To download and save any of your Insurance Policy Documents
to your computer, open the insurance policy document by clicking on its hyperlink
or icon and follow Adobe Reader’s directions for downloading and saving documents.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may receive
calls or text messages, from Esurance, its agents, affiliates and service providers
that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Consent to Transact Business Electronically
By clicking the "I accept" button below, you: (i) agree to transact business electronically
through our Web site and by email to, among other things, purchase your Policy,
make payments, receive Insurance Policy Documents, renew and terminate your Policy,
and send to us and receive from us communications related to your Policy; (ii) unless
otherwise indicated, agree to accept all Insurance Policy Documents electronically
in lieu of delivery by U.S. Mail or other physical delivery method; provided, however,
that, as required by law, we will deliver certain Insurance Policy Documents, such
as termination notices, in paper format via U.S. Mail; (iii) agree that your clicking
of the "I accept" button serves as, and replaces the need for your physical signature
for this and all future transactions in connection with your Policy and Insurance
Policy Documents, except as otherwise required by law; and (iv) acknowledge that
you have read the disclosure regarding the use of electronic records and signatures
in connection with your online account as provided on our Web site. If you do not
agree to transact business electronically, please do not click the "I accept" button
below; instead, please call us at 1-800-ESURANCE (1-800-378-7262) to complete your
purchase over the phone, to engage in any other transactions with Esurance over
the phone and to receive Insurance Policy Documents in paper format.
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We greatly appreciate your business. Please read this Terms
and Conditions Agreement (this “Agreement”) carefully.
As used in this Agreement, “we,” “us,” and “our” refer to Esurance
Insurance Services, Inc., doing business as Esurance or Esurance Insurance
Agency Services. “You” and “your” refer to the named insured(s) identified in the
Declarations Page (“Declarations Page”), and any spouse of the named insured who
resides in the same household. “Insurance Policy Documents” collectively refers
to your original application, this Agreement, and all forms, endorsements, and
notices issued to you by us, including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of the
terms and conditions contained herein; (ii) declare that your Declarations Page
is accurate and reflects your desired coverage selections and coverage limits;
(iii) declare that you have listed all drivers in your household, including any
regular or frequent operators of the vehicle(s) listed in the Declarations Page;
(iv) declare that you have described any business or commercial use of your
vehicle(s); and (v) agree that no coverage will be bound if your financial
institution does not honor, or we do not receive, your payment.
DISCLOSURE OF FEES
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect
to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification
Service Fee of $3.00 for each financed or leased vehicle listed on the Declarations
Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each
payment that is not received by the payment due date.
Driver Filing Fee
You may be charged a Driver
Filing Fee of $25.00 for each driver who requires a proof of financial
responsibility filing.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies
of Insurance Policy Documents that we would otherwise provide to you
electronically. The current Paper Documents Fee in Nevada is $25.00.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you
cancel your Policy for any reason or if we cancel your Policy due to your failure
to pay any premium when due.
State-Required Fees
You will be charged for fees as required by your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your
payment must be received by its due date. We do not accept partial payments of
the invoiced amount. If your full payment for the invoiced amount is not
received by the due date, a Late Payment Fee will be charged to your account.
Any unpaid premium may result in the cancellation of your Policy. If a
cancellation notice is generated, you will be charged a Cancellation Fee and a
cancellation notice will be mailed to the address shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from persons
other than you. Such information, as well as other personal and privileged
information collected by us or our agents, may, in certain circumstances and as
permitted by law, be disclosed to third parties. You have the right to review
your personal information in our files and request the correction of any
inaccuracies. More information about your rights and our practices regarding your
personal information is available upon request. Please contact us for more
information.
In order to evaluate your eligibility for insurance coverage
with us and to determine the correct premium to charge you, we order one or
more reports provided by independent consumer reporting agencies. These reports
are necessary to verify information that you have provided us. Examples of reports
include, but are not limited to, a Motor Vehicle Report (MVR), an insurance
claim history report, and, where allowed by law, an insurance score based on
information contained in your credit report. We may use a third party in
connection with the development of your insurance score. All reports are
impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure
that each applicant is evaluated fairly. Future reports may also be used for an
update, renewal, extension, cancellation, or non-renewal of your insurance
coverage. Upon request, we will provide you with the name, address, and
telephone number of any consumer reporting agency that furnishes us with your
report. You also have the right to request to be interviewed in connection with
the preparation of any consumer report.
We will review your credit history when we are legally
required to do so, or you may request a review once for every six-month policy term.
Any adjustment in premium made pursuant to a change in your credit history will
be reflected on your next renewal offer.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or misleading information
to an insurance company for the purpose of defrauding the company. Penalties
include imprisonment, fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data
Recorder, mileage verification device, or any similar device capable
of providing information relevant to the rating of your Policy or settlement of
a claim, you hereby consent to the release of information from that device
to us and to any persons or entities working with us, subject to any applicable
state law. You also agree to fully cooperate with us when dealing
with any third party to facilitate the timely release of information contained
on the device to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address, mailing address, or
telephone number by updating your online account with your new contact
information, calling our customer service center at 1-800-ESURANCE
(1-800-378-7262), or by sending an email to support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce Act of 2000 requires
us to ask you for your consent to electronic transactions, including providing
you with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by
law. Insurance Policy Documents in electronic format will have the same
contractual force and effect as Insurance Policy Documents in paper format.
PAPER DOCUMENTS
If you consent to electronic transactions, including receiving
Insurance Policy Documents electronically, you may withdraw your consent at any
time and begin receiving Insurance Policy Documents in paper format. In
addition, you may request paper copies of your electronic Insurance Policy
Documents at any time. However, the Paper Documents Fee set forth in the
“Disclosure of Fees” section above may apply if you: (i) withdraw your consent
to electronic transactions, including receiving Insurance Policy Documents
electronically; or (ii) request to receive paper copies of your electronic
Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic
transactions, including receiving Insurance Policy Documents electronically. Please
call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy Documents
electronically, you must have: (i) a computer capable of connecting to the
Internet; (ii) an Internet Service Provider; (iii) a browser capable of viewing
our Web site; (iv) an email service account that allows you to read, write, and
send email; and (v) the ability to use hyperlinks to access other Web sites
(collectively referred to as the “Technical Requirements”). You must have the Technical
Requirements to download, display, print, and retain Insurance Policy Documents
in Adobe Portable Display Format. Once you purchase your Policy, you will be
given the opportunity to download a free copy of Adobe Reader so that you can
view Insurance Policy Documents in Adobe Portable Display Format. If you do not
have the Technical Requirements, you cannot receive Insurance Policy Documents
electronically.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com and log in to your account
with the email address and password you provided when you created or updated
your account. Your Insurance Policy Documents will be accessible through
your online account. To print any of your Insurance Policy Documents from your
online account, click the “print” button located on the page or in your browser
frame. To download and save any of your Insurance Policy Documents to your
computer, open the insurance policy document by clicking on its hyperlink or
icon and follow Adobe Reader’s directions for downloading and saving documents.
CELL PHONE POLICY
You agree that you are providing your express
consent to receive calls and text messages on your cellular telephone, and
on any other device on which you may receive calls or text messages, from
Esurance, its agents, affiliates and service providers that are placed using an
automatic telephone dialing system or using artificial or prerecorded voice
messages.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business
electronically, then by accepting our renewal offer, you: (i) agree to continue
to transact business electronically through our Web site and by email to, among
other things, make payments, receive Insurance Policy Documents, renew and terminate
your Policy, and send to us and receive from us communications related to your
Policy; (ii) unless otherwise indicated, agree to accept all Insurance Policy
Documents electronically in lieu of delivery by U.S. Mail or other physical
delivery method; provided, however, that, as required by law, we will deliver
certain Insurance Policy Documents, such as termination notices, in paper
format via U.S. Mail; and (iii) acknowledge that you have read the disclosure
regarding the use of electronic records and signatures in connection with your
online account as provided on our Web site. If you have previously chosen to transact business by non-electronic
means by receiving Insurance Policy Documents in paper format and by calling
Esurance at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates
regarding your Policy then that choice will remain in effect until you agree to
transact business electronically.
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We greatly appreciate your business. Please read this Terms and Conditions
Agreement (this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer to Esurance Insurance
Services, Inc., doing business as Esurance or Esurance Insurance Agency
Services. "You" and "your" refer to the named insured(s) identified in the
Declarations Page ("Declarations Page"), and any spouse of the named insured who
resides in the same household. "Insurance Policy Documents" collectively refers
to your original application, this Agreement, and all forms, endorsements, and
notices issued to you by us, including any electronic communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and
conditions contained herein; (ii) declare that your Declarations Page is
accurate and reflects your desired coverage selections and coverage limits;
(iii) declare that you have listed all drivers in your household, including any
regular or frequent operators of the vehicle(s) listed in the Declarations Page;
(iv) declare that you have described any business or commercial use of your
vehicle(s); and (v) agree that your Policy may be canceled if your financial
institution does not honor, or we do not receive, your payment.
Disclosure of Fees
If applicable, we may charge you certain fees in accordance with state law,
Insurance Policy Documents, and/or this Agreement. These fees are set forth
below and may or may not apply to your Policy
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to
pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of
$3.00 for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not
received by the payment due date.
Non-Sufficient Funds Fee
If applicable to your Policy, you may be charged a Non-Sufficient Funds Fee of
$20.00 for any payment that is not honored because insufficient funds are
available in the account on which the payment was drawn.
Reinstatement Fee
If applicable to your Policy, you may be charged a Reinstatement Fee of $25.00
if your Policy is canceled and subsequently reinstated.
Short Rate Fee
You may be charged a Short Rate Fee equal to 10% of the unearned premium if you
cancel your Policy for any reason. This Short Rate Fee is in addition to any
premium we earn for the coverage provided and may be deducted from any refund
due to you.
Paper Documents Fee
If applicable to your Policy, you may be charged a Paper Documents Fee for
electing to receive paper copies of Insurance Policy Documents that we would
otherwise provide to you electronically. The current Paper Documents Fee in New York is $25.00.
Motor Vehicle Enforcement Fee
An annual Motor Vehicle Enforcement Fee of $10.00 will apply to each vehicle
pursuant to New York Insurance Law § 9110.
State-Required Fees
You will be charged fees as required and/or authorized by your state and other
fees not listed above may apply.
Cancellation for non-payment of premium
To keep your Policy current and avoid cancellation, your payment must be
received by its due date. We do not accept partial payments of the invoiced
amount. If your full payment for the invoiced amount is not received by the due
date, a Late Payment Fee will be charged to your account. Any unpaid premium may
result in the cancellation of your Policy. If a cancellation notice is
generated, you will be charged a Short Rate Fee and a cancellation notice will
be mailed to the address shown on your Policy.
Notice of Insurance Practices and Use of Consumer Reports
Personal information about you may be collected from persons other than you.
Such information, as well as other personal and privileged information collected
by us or our agents, may, in certain circumstances and as permitted by law, be
disclosed to third parties. You have the right to review your personal
information in our files and request the correction of any inaccuracies. More
information about your rights and our practices regarding your personal
information is available upon request. Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to
determine the correct premium to charge you, we order one or more reports
provided by independent consumer reporting agencies. These reports are necessary
to verify information that you have provided us. Examples of reports include,
but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history
report, and, where allowed by law, an insurance score based on information
contained in your credit report. We may use a third party in connection with the
development of your insurance score. All reports are impartial statements of
fact and are kept strictly confidential. The information we obtain will be used
only for business purposes and to ensure that each applicant is evaluated
fairly. Future reports may also be used for an update, renewal, extension,
cancellation, or non-renewal of your insurance coverage. Upon request, we will
provide you with the name, address, and telephone number of any consumer
reporting agency that furnishes us with your report.
In connection with this insurance, we may review your credit report or obtain or
use a credit-based insurance score based on information contained in that
report. An insurance score uses information from your credit report to help
predict how often you are likely to file claims and how expensive those claims
will be. Typical items from a credit report that could affect a score include,
but are not limited to, the following: payment history, number of revolving
accounts, number of new accounts, the presence of collection accounts,
bankruptcies and foreclosures. The information used to develop the insurance
score comes from LexisNexis. If you have questions concerning the information in
your motor vehicle report, please contact LexisNexis at:
LexisNexis Consumer type Center
P.O. Box 105108
Atlanta, GA 30348-5108
1-800-456-6004
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in
premium made pursuant to a change in your credit history will be reflected on
your next renewal offer.
RELEASE OF INFORMATION CONTAINED IN
DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage
verification device, or any similar device capable of providing information
relevant to the rating of your Policy or settlement of a claim, you hereby
consent to the release of information from that device to us and to any persons
or entities working with us, subject to any applicable state law. You also agree
to fully cooperate with us when dealing with any third party to facilitate the
timely release of information contained on the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or
telephone number by updating your online account with your new contact
information, calling our customer service center at 1-800-ESURANCE
(1-800-378-7262), or by sending an email to
support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires
us to ask you for your consent to provide you with Insurance Policy Documents
electronically. If you have provided this consent to us previously, and have not
withdrawn such consent, you will continue to receive all of your Insurance
Policy Documents from us electronically, as permitted by law. Insurance Policy
Documents in electronic format will have the same contractual force and effect
as Insurance Policy Documents in paper format.
Paper Documents
If you consent to receive Insurance Policy Documents electronically, you may
withdraw your consent at any time and begin receiving Insurance Policy Documents
in paper format. In addition, you may request paper copies of your electronic
Insurance Policy Documents at any time. However, the Paper Documents Fee, if
applicable to your Policy, set forth in the "Disclosure of Fees" section above
may apply if you: (i) withdraw your consent to receive Insurance Policy
Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of
Insurance Policy Documents, you may, at any time, request and consent to receive
Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE
(1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents
electronically, you must have: (i) a computer capable of connecting to the
Internet; (ii) an Internet Service Provider; (iii) a browser capable of viewing
our Web site; (iv) an email service account that allows you to read, write, and
send email; and (v) the ability to use hyperlinks to access other Web sites
(collectively referred to as the "Technical Requirements"). You must have the
Technical Requirements to download, display, print, and retain Insurance Policy
Documents in Adobe Portable Display Format. Once you purchase your Policy, you
will be given the opportunity to download a free copy of Adobe Reader so that
you can view Insurance Policy Documents in Adobe Portable Display Format. If you
do not have the Technical Requirements, you cannot receive Insurance Policy
Documents electronically.
Accessing Your Online Account
To access your online account, go to
www.esurance.com and log in to your account with the email address and
password you provided when you created or updated your account. Your
Insurance Policy Documents will be accessible through your online account. To
print any of your Insurance Policy Documents from your online account, click the
"print" button located on the page or in your browser frame. To download and
save any of your Insurance Policy Documents to your computer, open the insurance
policy document by clicking on its hyperlink or icon and follow Adobe Reader’s
directions for downloading and saving documents.
NEW YORK PRODUCER
COMPENSATION DISCLOSURE
Esurance Insurance Services, Inc. is an insurance
agency that sells insurance policies for affiliated insurance companies and
select business partners. We receive compensation from these affiliates and
partners based on the type and amount of insurance coverage sold and the amount
of premiums paid. You may request and obtain further information from us about
compensation we expect to receive for your purchase of an insurance policy from
us.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may
receive calls or text messages, from Esurance, its agents, affiliates and
service providers that are placed using an automatic telephone dialing system or
using artificial or prerecorded voice messages.
Consent to Transact Business Electronically
By accepting our renewal offer, you: (i) agree to continue to transact business
electronically through our Web site and by email to, among other things, make
payments, receive Insurance Policy Documents, renew and terminate your Policy,
and send to us and receive from us communications related to your Policy; (ii)
unless otherwise indicated, agree to accept all Insurance Policy Documents
electronically in lieu of delivery by U.S. Mail or other physical delivery
method; provided, however, that, as required by law, we will deliver certain
Insurance Policy Documents, such as termination notices, in paper format via
U.S. Mail; and (iii) acknowledge that you have read the disclosure regarding the
use of electronic records and signatures in connection with your online account
as provided on our Web site.
NEW YORK Fraud WARNING
New York Insurance Law requires us to provide
you with the information below:
Any person who knowingly and with intent to defraud any insurance company or
other person files an application for commercial insurance or a statement of
claim for any commercial or personal insurance benefits containing any
materially false information, or
conceals for the purpose of misleading, information concerning any fact material
thereto, and any person who, in connection with such application or claim,
knowingly makes or knowingly assists, abets, solicits or conspires with another
to make a false report of the theft, destruction, damage or conversion of any
motor vehicle to a law enforcement agency, the department of motor vehicles or
an insurance company, commits a fraudulent insurance act, which is a crime, and
shall also be subject to a civil penalty not to exceed five thousand dollars and
the value of the subject motor vehicle or stated claim for each violation.
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We greatly appreciate your business. Please read this Terms and Conditions
Agreement (this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer to Esurance Insurance
Services, Inc., doing business as Esurance or Esurance Insurance Agency
Services. "You" and "your" refer to the named insured(s) identified in the
Declarations Page ("Declarations Page"), and any spouse of the named insured who
resides in the same household. "Insurance Policy Documents" collectively refers
to your original application, this Agreement, and all forms, endorsements, and
notices issued to you by us, including any electronic communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and
conditions contained herein; (ii) declare that your Declarations Page is
accurate and reflects your desired coverage selections and coverage limits;
(iii) declare that you have listed all drivers in your household, including any
regular or frequent operators of the vehicle(s) listed in the Declarations Page;
(iv) declare that you have described any business or commercial use of your
vehicle(s); and (v) agree that your Policy may be canceled if your financial
institution does not honor, or we do not receive, your payment.
Disclosure of Fees
If applicable, we may charge you certain fees in accordance with state law,
Insurance Policy Documents, and/or this Agreement. These fees are set forth
below and may or may not apply to your Policy
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to
pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of
$3.00 for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not
received by the payment due date.
Non-Sufficient Funds Fee
If applicable to your Policy, you may be charged a Non-Sufficient Funds Fee of
$20.00 for any payment that is not honored because insufficient funds are
available in the account on which the payment was drawn.
Reinstatement Fee
If applicable to your Policy, you may be charged a Reinstatement Fee of $25.00
if your Policy is canceled and subsequently reinstated.
Short Rate Fee
You may be charged a Short Rate Fee equal to 10% of the unearned premium if you
cancel your Policy for any reason. This Short Rate Fee is in addition to any
premium we earn for the coverage provided and may be deducted from any refund
due to you.
Paper Documents Fee
If applicable to your Policy, you may be charged a Paper Documents Fee for
electing to receive paper copies of Insurance Policy Documents that we would
otherwise provide to you electronically. The current Paper Documents Fee in New York is $25.00.
Motor Vehicle Enforcement Fee
An annual Motor Vehicle Enforcement Fee of $10.00 will apply to each vehicle
pursuant to New York Insurance Law § 9110.
State-Required Fees
You will be charged fees as required and/or authorized by your state and other
fees not listed above may apply.
Cancellation for non-payment of premium
To keep your Policy current and avoid cancellation, your payment must be
received by its due date. We do not accept partial payments of the invoiced
amount. If your full payment for the invoiced amount is not received by the due
date, a Late Payment Fee will be charged to your account. Any unpaid premium may
result in the cancellation of your Policy. If a cancellation notice is
generated, you will be charged a Short Rate Fee and a cancellation notice will
be mailed to the address shown on your Policy.
Notice of Insurance Practices and Use of Consumer Reports
Personal information about you may be collected from persons other than you.
Such information, as well as other personal and privileged information collected
by us or our agents, may, in certain circumstances and as permitted by law, be
disclosed to third parties. You have the right to review your personal
information in our files and request the correction of any inaccuracies. More
information about your rights and our practices regarding your personal
information is available upon request. Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to
determine the correct premium to charge you, we order one or more reports
provided by independent consumer reporting agencies. These reports are necessary
to verify information that you have provided us. Examples of reports include,
but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history
report, and, where allowed by law, an insurance score based on information
contained in your credit report. We may use a third party in connection with the
development of your insurance score. All reports are impartial statements of
fact and are kept strictly confidential. The information we obtain will be used
only for business purposes and to ensure that each applicant is evaluated
fairly. Future reports may also be used for an update, renewal, extension,
cancellation, or non-renewal of your insurance coverage. Upon request, we will
provide you with the name, address, and telephone number of any consumer
reporting agency that furnishes us with your report.
In connection with this insurance, we may review your credit report or obtain or
use a credit-based insurance score based on information contained in that
report. An insurance score uses information from your credit report to help
predict how often you are likely to file claims and how expensive those claims
will be. Typical items from a credit report that could affect a score include,
but are not limited to, the following: payment history, number of revolving
accounts, number of new accounts, the presence of collection accounts,
bankruptcies and foreclosures. The information used to develop the insurance
score comes from LexisNexis. If you have questions concerning the information in
your motor vehicle report, please contact LexisNexis at:
LexisNexis Consumer type Center
P.O. Box 105108
Atlanta, GA 30348-5108
1-800-456-6004
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in
premium made pursuant to a change in your credit history will be reflected on
your next renewal offer.
RELEASE OF INFORMATION CONTAINED IN
DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage
verification device, or any similar device capable of providing information
relevant to the rating of your Policy or settlement of a claim, you hereby
consent to the release of information from that device to us and to any persons
or entities working with us, subject to any applicable state law. You also agree
to fully cooperate with us when dealing with any third party to facilitate the
timely release of information contained on the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or
telephone number by updating your online account with your new contact
information, calling our customer service center at 1-800-ESURANCE
(1-800-378-7262), or by sending an email to
support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires
us to ask you for your consent to provide you with Insurance Policy Documents
electronically. If you have provided this consent to us previously, and have not
withdrawn such consent, you will continue to receive all of your Insurance
Policy Documents from us electronically, as permitted by law. Insurance Policy
Documents in electronic format will have the same contractual force and effect
as Insurance Policy Documents in paper format.
Paper Documents
If you consent to receive Insurance Policy Documents electronically, you may
withdraw your consent at any time and begin receiving Insurance Policy Documents
in paper format. In addition, you may request paper copies of your electronic
Insurance Policy Documents at any time. However, the Paper Documents Fee, if
applicable to your Policy, set forth in the "Disclosure of Fees" section above
may apply if you: (i) withdraw your consent to receive Insurance Policy
Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of
Insurance Policy Documents, you may, at any time, request and consent to receive
Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE
(1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents
electronically, you must have: (i) a computer capable of connecting to the
Internet; (ii) an Internet Service Provider; (iii) a browser capable of viewing
our Web site; (iv) an email service account that allows you to read, write, and
send email; and (v) the ability to use hyperlinks to access other Web sites
(collectively referred to as the "Technical Requirements"). You must have the
Technical Requirements to download, display, print, and retain Insurance Policy
Documents in Adobe Portable Display Format. Once you purchase your Policy, you
will be given the opportunity to download a free copy of Adobe Reader so that
you can view Insurance Policy Documents in Adobe Portable Display Format. If you
do not have the Technical Requirements, you cannot receive Insurance Policy
Documents electronically.
Accessing Your Online Account
To access your online account, go to
www.esurance.com and log in to your account with the email address and
password you provided when you created or updated your account. Your
Insurance Policy Documents will be accessible through your online account. To
print any of your Insurance Policy Documents from your online account, click the
"print" button located on the page or in your browser frame. To download and
save any of your Insurance Policy Documents to your computer, open the insurance
policy document by clicking on its hyperlink or icon and follow Adobe Reader’s
directions for downloading and saving documents.
NEW YORK PRODUCER
COMPENSATION DISCLOSURE
Esurance Insurance Services, Inc. is an insurance
agency that sells insurance policies for affiliated insurance companies and
select business partners. We receive compensation from these affiliates and
partners based on the type and amount of insurance coverage sold and the amount
of premiums paid. You may request and obtain further information from us about
compensation we expect to receive for your purchase of an insurance policy from
us.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may
receive calls or text messages, from Esurance, its agents, affiliates and
service providers that are placed using an automatic telephone dialing system or
using artificial or prerecorded voice messages.
Consent to Transact Business Electronically
By accepting our renewal offer, you: (i) agree to continue to transact business
electronically through our Web site and by email to, among other things, make
payments, receive Insurance Policy Documents, renew and terminate your Policy,
and send to us and receive from us communications related to your Policy; (ii)
unless otherwise indicated, agree to accept all Insurance Policy Documents
electronically in lieu of delivery by U.S. Mail or other physical delivery
method; provided, however, that, as required by law, we will deliver certain
Insurance Policy Documents, such as termination notices, in paper format via
U.S. Mail; and (iii) acknowledge that you have read the disclosure regarding the
use of electronic records and signatures in connection with your online account
as provided on our Web site.
NEW YORK Fraud WARNING
New York Insurance Law requires us to provide
you with the information below:
Any person who knowingly and with intent to defraud any insurance company or
other person files an application for commercial insurance or a statement of
claim for any commercial or personal insurance benefits containing any
materially false information, or
conceals for the purpose of misleading, information concerning any fact material
thereto, and any person who, in connection with such application or claim,
knowingly makes or knowingly assists, abets, solicits or conspires with another
to make a false report of the theft, destruction, damage or conversion of any
motor vehicle to a law enforcement agency, the department of motor vehicles or
an insurance company, commits a fraudulent insurance act, which is a crime, and
shall also be subject to a civil penalty not to exceed five thousand dollars and
the value of the subject motor vehicle or stated claim for each violation.
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We greatly appreciate your business. Please read this Terms and Conditions Agreement (this “Agreement”) carefully.
As used in this Agreement, “we,” “us,” and “our” refer to Esurance Insurance Services, Inc., doing business as
Esurance or Esurance Insurance Agency Services. “You” and “your” refer to the named insured(s) identified in the
Declarations Page (“Declarations Page”), and any spouse of the named insured who resides in the same household.
“Insurance Policy Documents” collectively refers to your original application, this Agreement, and all forms,
endorsements, and notices issued to you by us, including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of the terms and conditions contained herein; (ii) declare
that your Declarations Page is accurate and reflects your desired coverage selections and coverage limits; (iii)
declare that you have listed all drivers in your household, including any regular or frequent operators of the
vehicle(s) listed in the Declarations Page; (iv) declare that you have described any business or commercial use
of your vehicle(s); and (v) agree that no coverage will be bound if your financial institution does not honor,
or we do not receive, your initial payment.
DISCLOSURE OF FEES
-
You may be charged an Installment Fee, as allowed by your state, if you elect to pay your premium in installments.
-
You may be charged a Late Payment Fee of $15.00 for each payment that is not received by the payment due date.
-
You may be charged a Cancellation Fee if you cancel your Policy for any reason. The cancellation fee is determined by the State of North Carolina and is based on the number of days the policy has been in force and the amount of premium.
-
You may be charged a Paper Documents Fee of $25.00 or electing to receive paper copies of Insurance Policy Documents that we would otherwise provide to you electronically.
-
You may be charged a Loss Payee Notification Fee of $3.00 for each vehicle with a los payee on the policy.
-
You will be charged for fees as required by your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your payment must be received by its due date. We do not accept
partial payments of the invoiced amount. If your full payment for the invoiced amount is not received by the due date,
a Late Payment Fee will be charged to your account. Any unpaid premium may result in the cancellation of your
Policy. If a cancellation notice is generated, you will be charged a Cancellation Fee and a cancellation notice will be mailed to the address shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from persons other than you. Such information, as well as other personal and privileged
information collected by us or our agents, may, in certain circumstances and as permitted by law, be disclosed to third parties. You have
the right to review your personal information in our files and request the correction of any inaccuracies. More information about your rights
and our practices regarding your personal information is available upon request. Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine the correct premium to charge you, we order one or more
reports provided by independent consumer reporting agencies. These reports are necessary to verify information that you have provided us.
Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may use a third party in connection with the development of your
insurance score. All reports are impartial statements of fact and are kept strictly confidential. The information we obtain will be used only
for business purposes and to ensure that each applicant is evaluated fairly. Future reports may also be used for an update, renewal, extension,
cancellation, or non-renewal of your insurance coverage. Upon request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the
company. Penalties include imprisonment, fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification device, or any similar device capable of providing
information relevant to the rating of your Policy or settlement of a claim, you hereby consent to the release of information from that
device to us and to any persons or entities working with us, subject to any applicable state law. You also agree to fully cooperate with
us when dealing with any third party to facilitate the timely release of information contained on the device to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address, mailing address, or telephone number by updating your online account with your new
contact information, calling our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an email to
support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to ask you for
your consent to electronic transactions, including providing you with Insurance Policy Documents
electronically. If you have provided this consent to us previously, and have not withdrawn such
consent, you will continue to receive all of your Insurance Policy Documents from us electronically,
as permitted by law. Insurance Policy Documents in electronic format will have the same contractual
force and effect as Insurance Policy Documents in paper format.
PAPER DOCUMENTS
If you consent to electronic transactions, including receiving Insurance Policy Documents electronically,
you may withdraw your consent at any time and begin receiving Insurance Policy Documents in paper format.
In addition, you may request paper copies of your electronic Insurance Policy Documents at any time.
However, the Paper Documents Fee set forth in the “Disclosure of Fees” section above may apply if you:
(i) withdraw your consent to electronic transactions, including receiving Insurance Policy Documents
electronically; or (ii) request to receive paper copies of your electronic Insurance Policy Documents.
If you elect to receive paper copies of Insurance Policy Documents, you may, at any time, request and
consent to electronic transactions, including receiving Insurance Policy Documents electronically.
Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy Documents electronically, you must have:
(i) a computer capable of connecting to the Internet; (ii) an Internet Service Provider; (iii) a
browser capable of viewing our Web site; (iv) an email service account that allows you to read, write,
and send email; and (v) the ability to use hyperlinks to access other Web sites (collectively referred
to as the “Technical Requirements”). You must have the Technical Requirements to download, display,
print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once you purchase your Policy,
you will be given the opportunity to download a free copy of Adobe Reader so that you can view Insurance
Policy Documents in Adobe Portable Display Format. If you do not have the Technical Requirements,
you cannot receive Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text messages on your
cellular telephone, and on any other device on which you may receive calls or text messages, from
Esurance, its agents, affiliates and service providers that are placed using an automatic telephone
dialing system or using artificial or prerecorded voice messages.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to
www.esurance.com and log in to your account with the email address and password you provided
when you created or updated your account. Your Insurance Policy Documents will be accessible through
your online account. To print any of your Insurance Policy Documents from your online account, click
the “print” button located on the page or in your browser frame. To download and save any of your
Insurance Policy Documents to your computer, open the insurance policy document by clicking on its
hyperlink or icon and follow Adobe Reader’s directions for downloading and saving documents.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business electronically, then by accepting our renewal
offer, you: (i) agree to continue to transact business electronically through our Web site and by
email to, among other things, make payments, receive Insurance Policy Documents, renew and terminate
your Policy, and send to us and receive from us communications related to your Policy; (ii) unless
otherwise indicated, agree to accept all Insurance Policy Documents electronically in lieu of delivery
by U.S. Mail or other physical delivery method; provided, however, that, as required by law, we will
deliver certain Insurance Policy Documents, such as termination notices, in paper format via U.S. Mail;
and (iii) acknowledge that you have read the disclosure regarding the use of electronic records and
signatures in connection with your online account as provided on our Web site. If you have previously
chosen to transact business by non-electronic means by receiving Insurance Policy Documents in paper
format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates regarding
your Policy then that choice will remain in effect until you agree to transact business electronically.
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Welcome to Esurance! We greatly appreciate your business. Please read this Terms and Conditions Agreement (this “Agreement”) carefully.
As used in this Terms and Conditions Agreement (“Agreement”), “we,” “us,” and “our” refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance Insurance Agency Services. “You” and “your” refer to the named insured(s) identified in the Declarations Page (“Declarations Page”), and any spouse of the named insured who resides in the same household. “Insurance Policy Documents” collectively refers to your Application, this Agreement, your Declarations Page, and all forms, endorsements, and notices issued to you by us, including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of the terms and conditions contained herein; (ii) declare that your Declarations Page is accurate and reflects your desired coverage selections and coverage limits; (iii) declare that you have listed all drivers in your household, including any regular or frequent operators of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described any business or commercial use of your vehicle(s); and (v) agree that no coverage will be bound if your financial institution does not honor, or we do not receive, your payment; provided, however, that you will have the earlier of five days after actual notice by certified mail is received by you, or 15 days after notice is sent to you by certified or registered mail, to cure your non-payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received by the payment due date.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00 for each financed or leased vehicle listed on the Application.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a proof of financial responsibility filing.
Named Driver Fee
You may be charged a Named Driver Fee of $25.00 to print, process and mail a driver exclusion form.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any reason or if we cancel your Policy due to your failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee of $25.00 for electing to receive paper copies of Insurance Policy Documents that we would otherwise provide to you electronically.
State-Required Fees
You will be charged for fees as required by your state, if any.
Cancellation for Non-Payment of Premium
To keep your Policy current and avoid cancellation, your payment must be received by its due date. We do not accept partial payments of the invoiced amount. If your full payment for the invoiced amount is not received by the due date, a Late Payment Fee will be charged to your account. Any unpaid premium may result in the cancellation of your Policy, in which case a cancellation notice will be mailed to the address shown on your Policy.
Release of Information Contained in Devices
If your insured vehicle is equipped with an Event Data Recorder, mileage verification device, or any similar device capable of providing information relevant to the rating of your Policy or settlement of a claim, you hereby consent to the release of information from that device to us and to any persons or entities working with us, subject to any applicable state law. You also agree to fully cooperate with us when dealing with any third party to facilitate the timely release of information contained on the device to us.
Notice of Insurance Practices and Use of Consumer Reports
Personal information about you may be collected from persons other than you. Such information, as well as other personal and privileged information collected by us or our agents, may, in certain circumstances and as permitted by law, be disclosed to third parties. You have the right to review your personal information in our files and request the correction of any inaccuracies. More information about your rights and our practices regarding your personal information is available upon request. Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine the correct premium to charge you, we order one or more reports provided by independent consumer reporting agencies. These reports are necessary to verify information that you have provided us. Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history report, and, where allowed by law, an insurance score based on information contained in your credit report. We may use a third party in connection with the development of your insurance score. All reports are impartial statements of fact and are kept strictly confidential. The information we obtain will be used only for business purposes and to ensure that each applicant is evaluated fairly. Future reports may also be used for an update, renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon request, we will provide you with the name, address, and telephone number of any consumer reporting agency that furnishes us with your report.
Electronic Transactions
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to ask you for your consent to electronic transactions, including providing you with Insurance Policy Documents electronically. If you consent, you will receive all of your Insurance Policy Documents from us electronically, as permitted by law. Insurance Policy Documents in electronic format will have the same contractual force and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy Documents electronically, you may withdraw your consent at any time and begin receiving Insurance Policy Documents in paper format. In addition, you may request paper copies of your electronic Insurance Policy Documents at any time. However, the Paper Documents Fee set forth in the “Disclosure of Fees” section above may apply if you: (i) do not consent to electronic transactions, including receiving Insurance Policy Documents electronically; (ii) withdraw your consent to electronic transactions, including receiving Insurance Policy Documents electronically; or (iii) request to receive paper copies of your electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance Policy Documents, you may, at any time, request and consent to electronic transactions, including receiving Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements For Electronic Delivery
Before you give your consent to electronic transactions, including receiving Insurance Policy Documents electronically, please be aware that, in order to access Insurance Policy Documents electronically, you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email service account that allows you to read, write, and send email; and (v) the ability to use hyperlinks to access other Web sites (collectively referred to as the “Technical Requirements”). You must have the Technical Requirements to download, display, print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once you purchase your Policy, you will be given the opportunity to download a free copy of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable Display Format. If you do not have the Technical Requirements, you cannot receive Insurance Policy Documents electronically.
Accessing Your Online Account
To access your online account, go to www.esurance.com and log in to your account with the email address and password you provided when you created or updated your account. Your Insurance Policy Documents will be accessible through your online account. To print any of your Insurance Policy Documents from your online account, click the “print” button located on the page or in your browser frame. To download and save any of your Insurance Policy Documents to your computer, open the insurance policy document by clicking on its hyperlink or icon and follow Adobe Reader’s directions for downloading and saving documents.
Cell Phone Policy
You agree that you are providing your express consent to receive calls and text messages on your cellular telephone, and on any other device on which you may receive calls or text messages, from Esurance, its agents, affiliates and service providers that are placed using an automatic telephone dialing system or using artificial or prerecorded voice messages
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone number by updating your online account with your new contact information, calling our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an email to support@csr.esurance.com.
FRAUDULENT INFORMATION STATEMENT
Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud..
Consent to Transact Business Electronically.
By clicking the “I accept” button below, you: (i) agree to transact business electronically through our Web site and by email to, among other things, purchase your Policy, make payments, receive Insurance Policy Documents, renew and terminate or rescind your Policy, and send to us and receive from us communications related to your Policy; (ii) unless otherwise indicated, agree to accept all Insurance Policy Documents electronically in lieu of delivery by U.S. Mail or other physical delivery method; provided, however, that we may deliver certain Insurance Policy Documents in paper format via U.S. Mail; (iii) agree that your clicking of the “I accept” button serves as, and replaces the need for your physical signature for this and all future transactions in connection with your Policy and Insurance Policy Documents, except as otherwise required by law; and (iv) acknowledge that you have read the disclosure regarding the use of electronic records and signatures in connection with your online account as provided on our Web site. If you do not agree to transact business electronically, please do not click the “I accept” button below; instead, please call us at 1-800-ESURANCE (1-800-378-7262) to complete your purchase over the phone, to engage in any other transactions with Esurance over the phone and to receive Insurance Policy Documents in paper format.
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We greatly appreciate your business. Please read this
Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we,"
"us," and "our" refer to Esurance Insurance Services, Inc.,
doing business as Esurance or Esurance Insurance Agency Services.
"You" and "your" refer to the named insured(s) identified
in the Declarations Page ("Declarations Page"), and any spouse of the
named insured who resides in the same household. "Insurance Policy
Documents" collectively refers to your original application, this
Agreement, and all forms, endorsements, and notices issued to you by us,
including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of
the terms and conditions contained herein; (ii) declare that your Declarations
Page is accurate and reflects your desired coverage selections and coverage
limits; (iii) declare that you have listed all drivers in your household,
including any regular or frequent operators of the vehicle(s) listed in the
Declarations Page; (iv) declare that you have described any business or
commercial use of your vehicle(s); and (v) agree that no coverage will be bound
if your financial institution does not honor, or we do not receive, your
payment.
DISCLOSURE OF FEES
Installment Fee
You may be charged an Installment Fee, as allowed by your
state, if you elect to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company
Notification Service Fee of $3.00 for each financed or leased vehicle listed on
the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each
payment that is not received by the payment due date.
Non-Sufficient Funds Fee
You may be charged a Non-Sufficient Funds Fee of $25.00
for any payment that is not honored because insufficient funds are available in
the account on which the payment was drawn.
Driver Exclusion Fee
You may be charged a Driver Exclusion Fee of $25.00 if a
driver is excluded from your Policy upon your request.
Reinstatement Fee
You may be charged a Reinstatement Fee of $25.00 if your
Policy is canceled and subsequently reinstated.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you
cancel your Policy for any reason or if we cancel your Policy due to your
failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to
receive paper copies of Insurance Policy Documents that we would otherwise
provide to you electronically. The current Paper Documents Fee in Oklahoma is
$25.00.
State-Required Fees
You will be charged for fees as required by your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your
payment must be received by its due date. We do not accept partial payments of
the invoiced amount. If your full payment for the invoiced amount is not
received by the due date, a Late Payment Fee will be charged to your account.
Any unpaid premium may result in the cancellation of your Policy. If a
cancellation notice is generated, you will be charged a Cancellation Fee and a
cancellation notice will be mailed to the address shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from
persons other than you. Such information, as well as other personal and
privileged information collected by us or our agents, may, in certain circumstances
and as permitted by law, be disclosed to third parties. You have the right to
review your personal information in our files and request the correction of any
inaccuracies. More information about your rights and our practices regarding
your personal information is available upon request. Please contact us for more
information.
In order to evaluate your eligibility for insurance
coverage with us and to determine the correct premium to charge you, we order
one or more reports provided by independent consumer reporting agencies. These
reports are necessary to verify information that you have provided us. Examples
of reports include, but are not limited to, a Motor Vehicle Report (MVR), an
insurance claim history report, and, where allowed by law, an insurance score
based on information contained in your credit report. We may use a third party
in connection with the development of your insurance score. All reports are
impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure
that each applicant is evaluated fairly. Future reports may also be used for an
update, renewal, extension, cancellation, or non-renewal of your insurance
coverage. Upon request, we will provide you with the name, address, and
telephone number of any consumer reporting agency that furnishes us with your
report.
We will review your credit history when we are legally
required to do so, or you may request a review once for every six-month policy
term. Any adjustment in premium made pursuant to a change in your credit
history will be reflected on your next renewal offer.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or
misleading information to an insurance company for the purpose of defrauding
the company. Penalties include imprisonment, fines, and denial of insurance
benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data
Recorder, mileage verification device, or any similar device capable of
providing information relevant to the rating of your Policy or settlement of a
claim, you hereby consent to the release of information from that device to us
and to any persons or entities working with us, subject to any applicable state
law. You also agree to fully cooperate with us when dealing with any third
party to facilitate the timely release of information contained on the device
to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address,
mailing address, or telephone number by updating your online account with your
new contact information, calling our customer service center at 1-800-ESURANCE
(1-800-378-7262), or by sending an email to support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce
Act of 2000 requires us to ask you for your consent to electronic transactions, including providing you with
Insurance Policy Documents electronically. If you have provided this consent to
us previously, and have not withdrawn such consent, you will continue to
receive all of your Insurance Policy Documents from us electronically, as
permitted by law. Insurance Policy Documents in electronic format will have the
same contractual force and effect as Insurance Policy Documents in paper
format.
PAPER DOCUMENTS
If you consent to electronic transactions, including receiving Insurance Policy Documents
electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper
copies of your electronic Insurance Policy Documents at any time. However, the
Paper Documents Fee set forth in the "Disclosure of Fees" section
above may apply if you: (i) withdraw your consent to electronic transactions, including receiving Insurance Policy
Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of
Insurance Policy Documents, you may, at any time, request and consent to
electronic transactions, including receiving Insurance Policy Documents electronically. Please call us at
1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy
Documents electronically, you must have: (i) a computer capable of connecting
to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of
viewing our Web site; (iv) an email service account that allows you to read,
write, and send email; and (v) the ability to use hyperlinks to access other
Web sites (collectively referred to as the "Technical Requirements").
You must have the Technical Requirements to download, display, print, and
retain Insurance Policy Documents in Adobe Portable Display Format. Once you
purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe
Portable Display Format. If you do not have the Technical Requirements, you
cannot receive Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express
consent to receive calls and text messages on your cellular telephone, and
on any other device on which you may receive calls or text messages, from
Esurance, its agents, affiliates and service providers that are placed using an
automatic telephone dialing system or using artificial or prerecorded voice
messages.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com and
log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will be
accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located
on the page or in your browser frame. To download and save any of your
Insurance Policy Documents to your computer, open the insurance policy document
by clicking on its hyperlink or icon and follow Adobe Reader's directions for
downloading and saving documents.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business electronically, then by accepting our renewal offer, you: (i) agree to
continue to transact business electronically through our Web site and by email
to, among other things, make payments, receive Insurance Policy Documents,
renew and terminate your Policy, and send to us and receive from us
communications related to your Policy; (ii) unless otherwise indicated, agree
to accept all Insurance Policy Documents electronically in lieu of delivery by
U.S. Mail or other physical delivery method; provided, however, that, as
required by law, we will deliver certain Insurance Policy Documents, such as
termination notices, in paper format via U.S. Mail; and (iii) acknowledge that
you have read the disclosure regarding the use of electronic records and
signatures in connection with your online account as provided on our Web site. If you have previously chosen to transact business by non-electronic means by receiving Insurance Policy Documents in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates regarding your Policy then that choice will remain in effect until you agree to transact business electronically.
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We greatly appreciate your business. Please read this Terms and Conditions Agreement (this “Agreement”) carefully.
As used in this Terms and Conditions Agreement (“Agreement”), “we,” “us,” and “our” refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance Insurance Agency Services. “You” and “your” refer to the named insured(s) identified in the Declarations Page (“Declarations Page”), and any spouse of the named insured who resides in the same household. “Insurance Policy Documents” collectively refers to your original Application, this Agreement, your Declarations Page and all forms, endorsements, and notices issued to you by us, including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of the terms and conditions contained herein; (ii declare that your Declarations Page is accurate and reflects your desired coverage selections and coverage limits; (iii) declare that you have listed all drivers in your household, including any regular or frequent operators of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described any business or commercial use of your vehicle(s); and (v) agree that no coverage will be bound if your financial institution does not honor, or we do not receive, your payment; provided, however, that you will have the earlier of five days after actual notice by certified mail is received by you, or 15 days after notice is sent to you by certified or registered mail, to cure your non-payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received by the payment due date.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00 for each financed or leased vehicle listed on the Application.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any reason or if we cancel your Policy due to your failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee of $25.00 for electing to receive paper copies of Insurance Policy Documents that we would otherwise provide to you electronically.
State-Required Fees
You will be charged for fees as required by your state, if any.
Cancellation for Non-Payment of Premium
To keep your Policy current and avoid cancellation, your payment must be received by its due date. We do not accept partial payments of the invoiced amount. If your full payment for the invoiced amount is not received by the due date, a Late Payment Fee will be charged to your account. Any unpaid premium may result in the cancellation of your Policy, in which case a cancellation notice will be mailed to the address shown on your Policy.
Release of Information Contained in Devices
If your insured vehicle is equipped with an Event Data Recorder, mileage verification device, or any similar device capable of providing information relevant to the rating of your Policy or settlement of a claim, you hereby consent to the release of information from that device to us and to any persons or entities working with us, subject to any applicable state law. You also agree to fully cooperate with us when dealing with any third party to facilitate the timely release of information contained on the device to us.
Notice of Insurance Practices and Use of Consumer Reports
Personal information about you may be collected from persons other than you. Such information, as well as other personal and privileged information collected by us or our agents, may, in certain circumstances and as permitted by law, be disclosed to third parties. You have the right to review your personal information in our files and request the correction of any inaccuracies. More information about your rights and our practices regarding your personal information is available upon request. Please contact us for more information.
In connection with this application for insurance, we may review your credit report or obtain or use a credit-based insurance score based on the information contained in that credit report. We review this information in order to evaluate your eligibility for insurance coverage with us and to determine the correct premium to charge you, we order one or more reports provided by independent consumer reporting agencies. These reports are necessary to verify information that you have provided us. Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history report, and, where allowed by law, an insurance score based on information contained in your credit report. We may use a third party in connection with the development of your insurance score. All reports are impartial statements of fact and are kept strictly confidential. The information we obtain will be used only for business purposes and to ensure that each applicant is evaluated fairly. Future reports may also be used for an update, renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon request, we will provide you with the name, address, and telephone number of any consumer reporting agency that furnishes us with your report.
Electronic Transactions
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to ask you for your consent to electronic transactions, including providing you with Insurance Policy Documents electronically. If you have previously consent, you will continue to receive all of your Insurance Policy Documents from us electronically, as permitted by law. Insurance Policy Documents in electronic format will have the same contractual force and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy Documents electronically, you may withdraw your consent at any time and begin receiving Insurance Policy Documents in paper format. In addition, you may request paper copies of your electronic Insurance Policy Documents at any time. However, the Paper Documents Fee set forth in the “Disclosure of Fees” section above may apply if you: (i) do not consent to electronic transactions, including receiving Insurance Policy Documents electronically; (ii) withdraw your consent to electronic transactions, including receiving Insurance Policy Documents electronically; or (iii) request to receive paper copies of your electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance Policy Documents, you may, at any time, request and consent to electronic transactions, including receiving Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements For Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically, you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email service account that allows you to read, write, and send email; and (v) the ability to use hyperlinks to access other Web sites (collectively referred to as the “Technical Requirements”). You must have the Technical Requirements to download, display, print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once you purchase your Policy, you will be given the opportunity to download a free copy of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable Display Format. If you do not have the Technical Requirements, you cannot receive Insurance Policy Documents electronically.
Accessing Your Online Account
To access your online account, go to www.esurance.com and log in to your account with the email address and password you provided when you created or updated your account. Your Insurance Policy Documents will be accessible through your online account. To print any of your Insurance Policy Documents from your online account, click the “print” button located on the page or in your browser frame. To download and save any of your Insurance Policy Documents to your computer, open the insurance policy document by clicking on its hyperlink or icon and follow Adobe Reader’s directions for downloading and saving documents.
Cell Phone Policy
You agree that you are providing your express consent to receive calls and text messages on your cellular telephone, and on any other device on which you may receive calls or text messages, from Esurance, its agents, affiliates and service providers that are placed using an automatic telephone dialing system or using artificial or prerecorded voice messages
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone number by updating your online account with your new contact information, calling our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an email to
support@csr.esurance.com.
<<Earthquake Coverage
If your policy includes the Renters Coverage Endorsement, please note that earthquake coverage is not included in your coverage and we do not offer earthquake coverage in Oklahoma.>>
FRAUDULENT INFORMATION STATEMENT
Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.
Consent to Transact Business Electronically.
If you have previously agreed to transact business electronically, then by accepting our renewal offer, you: (i) agree to continue to transact business electronically through our Web site and by email to, among other things, make payments, receive Insurance Policy Documents, renew and terminate your Policy, and send to us and receive from us communications related to your Policy; (ii) unless otherwise indicated, agree to accept all Insurance Policy Documents electronically in lieu of delivery by U.S. Mail or other physical delivery method; provided, however, that, as required by law, we will deliver certain Insurance Policy Documents, such as termination notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read the disclosure regarding the use of electronic records and signatures in connection with your online account as provided on our Web site. If you have previously chosen to transact business by non-electronic means by receiving Insurance Policy Documents in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates regarding your Policy then that choice will remain in effect until you agree to transact business electronically.
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Oregon
Welcome to Esurance! We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Terms and Conditions Agreement (this "Agreement"), "we," "us,"
and "our" refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance Insurance
Agency Services. "You" and "your" refer to the named insured(s) identified in the Declarations
Page ("Declarations Page"), and any spouse of the named insured who resides in the same household.
"Insurance Policy Documents" collectively refers to your Application, this Agreement, your Declarations
Page, and all forms, endorsements, and notices issued to you by us, including any electronic communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions contained herein; (ii) declare that
your Declarations Page is accurate and reflects your desired coverage selections and coverage limits; (iii) declare
that you have listed all drivers in your household, including any regular or frequent operators of the vehicle(s) listed
in the Declarations Page; (iv) declare that you have described any business or commercial use of your vehicle(s);
and (v) agree that no coverage will be bound if your financial institution does not honor, or we do not receive, your
payment; provided, however, that you will have the earlier of five days after actual notice by certified mail is
received by you, or 15 days after notice is sent to you by certified or registered mail, to cure your non-payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to
pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received by
the payment due date.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00
for each financed or leased vehicle listed on the Application.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a proof
of financial responsibility filing..
Named Driver Fee
You may be charged a Named Driver Fee of $25.00 to print, process and mail a driver
exclusion form.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any reason
or if we cancel your Policy due to your failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies of
Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Oregon is $25.00.
State-Required Fees
You will be charged for fees as required by your state, if any.
Cancellation for Non-Payment of Premium
To keep your Policy current and avoid cancellation, your payment must be received by its due date.
We do not accept partial payments of the invoiced amount. If your full payment for the invoiced amount
is not received by the due date, a Late Payment Fee will be charged to your account. Any unpaid premium
may result in the cancellation of your Policy, in which case a cancellation notice will be mailed to
the address shown on your Policy.
Release of Information Contained in Devices
If your insured vehicle is equipped with an Event Data Recorder, mileage verification device, or any
similar device capable of providing information relevant to the rating of your Policy or settlement of
a claim, you hereby consent to the release of information from that device to us and to any persons or
entities working with us, subject to any applicable state law. You also agree to fully cooperate with us
when dealing with any third party to facilitate the timely release of information contained on the device
to us
Notice of Insurance Practices and Use of
Consumer Reports
Personal information about you may be collected from persons other than you. Such information, as
well as other personal and privileged information collected by us or our agents, may, in certain
circumstances and as permitted by law, be disclosed to third parties. You have the right to review
your personal information in our files and request the correction of any inaccuracies. More information
about your rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine the correct
premium to charge you, we order one or more reports provided by independent consumer reporting agencies.
You re- authorized us to obtain these reports upon acceptance of your renewal policy and your
authorization is valid for up to 24 months. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR),
an insurance claim history report, and, where allowed by law, an insurance score based on information
contained in your credit report. We may use a third party in connection with the development of your
insurance score. All reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that each applicant is
evaluated fairly. Future reports may also be used for an update, renewal, extension, cancellation,
or non-renewal of your insurance coverage. Upon request, we will provide you with the name, address,
and telephone number of any consumer reporting agency that furnishes us with your report.
Electronic Transactions
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to ask you for
your consent to electronic transactions, including providing you with Insurance Policy Documents
electronically. If you consent, you will receive all of your Insurance Policy Documents from us
electronically, as permitted by law. Insurance Policy Documents in electronic format will have the
same contractual force and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy Documents
electronically, you may withdraw your consent at any time and begin receiving Insurance Policy
Documents in paper format. In addition, you may request paper copies of your electronic Insurance
Policy Documents at any time. However, the Paper Documents Fee set forth in the "Disclosure of Fees"
section above may apply if you: (i) do not consent to electronic transactions, including receiving
Insurance Policy Documents electronically; (ii) withdraw your consent to electronic transactions,
including receiving Insurance Policy Documents electronically; or (iii) request to receive paper
copies of your electronic Insurance Policy Documents. If you elect to receive paper copies of
Insurance Policy Documents, you may, at any time, request and consent to electronic transactions,
including receiving Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE
(1-800-378-7262) for any such withdrawals or requests.
Technical Requirements For Electronic Delivery
Before you give your consent to electronic transactions, including receiving Insurance Policy
Documents electronically, please be aware that, in order to access Insurance Policy Documents
electronically, you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email service account
that allows you to read, write, and send email; and (v) the ability to use hyperlinks to access
other Web sites (collectively referred to as the "Technical Requirements"). You must
have the Technical Requirements to download, display, print, and retain Insurance Policy
Documents in Adobe Portable Display Format. Once you purchase your Policy, you will be given
the opportunity to download a free copy of Adobe Reader so that you can view Insurance Policy
Documents in Adobe Portable Display Format. If you do not have the Technical Requirements,
you cannot receive Insurance Policy Documents electronically.
Accessing Your Online Account
To access your online account, go to www.esurance.com and log in
to your account with the email address and password you provided when you created or updated
your account. Your Insurance Policy Documents will be accessible through your online account.
To print any of your Insurance Policy Documents from your online account, click the
"print" button located on the page or in your browser frame. To download and save
any of your Insurance Policy Documents to your computer, open the insurance policy document by
clicking on its hyperlink or icon and follow Adobe Reader’s directions for downloading and
saving documents.
Cell Phone Policy
You agree that you are providing your express consent to receive calls and text messages on
your cellular telephone, and on any other device on which you may receive calls or text messages,
from Esurance, its agents, affiliates and service providers that are placed using an automatic
telephone dialing system or using artificial or prerecorded voice messages
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
<<Earthquake Coverage
If your policy includes the Renters Coverage Endorsement, please note that earthquake
coverage is not included in your coverage and we do not offer earthquake coverage
in Oregon.>>
Fraudulent Information Statement
A person who knowingly provides materially false, incomplete, or misleading information,
or conceal information in order to mislead an insurance company for the purpose of
intentionally defrauding the company may be guilty of a fraudulent insurance act.
Penalties for committing a fraudulent insurance act include imprisonment, fines, and
denial of insurance benefits.
Consent to Transact Business Electronically.
If you have previously agreed to transact business electronically, then by accepting our
renewal offer, you: (i) agree to continue to transact business electronically through our
Web site and by email to, among other things, make payments, receive Insurance Policy Documents,
renew and terminate your Policy, and send to us and receive from us communications related to
your Policy; (ii) unless otherwise indicated, agree to accept all Insurance Policy Documents
electronically in lieu of delivery by U.S. Mail or other physical delivery method; provided,
however, that, as required by law, we will deliver certain Insurance Policy Documents, such as
termination notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read the
disclosure regarding the use of electronic records and signatures in connection with your online
account as provided on our Web site. If you have previously chosen to transact business by
non-electronic means by receiving Insurance Policy Documents in paper format and by calling
Esurance at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates regarding your Policy
then that choice will remain in effect until you agree to transact business electronically.
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We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer to Esurance Insurance Services,
Inc., doing business as Esurance or Esurance Insurance Agency Services. "You" and
"your" refer to the named insured(s) identified in the Declarations Page ("Declarations
Page"), and any spouse of the named insured who resides in the same household. "Insurance
Policy Documents" collectively refers to your original application, this Agreement,
and all forms, endorsements, and notices issued to you by us, including any electronic
communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to
pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00
for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received
by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a
proof of financial responsibility filing.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any
reason or if we cancel your Policy due to your failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies of
Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Pennsylvania
is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy. If a cancellation notice is generated, you will be charged a Cancellation
Fee and a cancellation notice will be mailed to the address shown on your Policy.
Notice of Insurance Practices and Use of
Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
Fraudulent Information Statement
It is unlawful to knowingly provide false, incomplete, or misleading facts and information
to an insurance company for the purpose of defrauding or attempting to defraud the
company. Penalties may include imprisonment, fines, denial of insurance and civil
damages. Any person who knowingly and with intent to injure or defraud any insurer,
files an application or claim containing false, incomplete or misleading information
shall, upon conviction, be subject to imprisonment for up to seven years and payment
of a fine of up to $15,000.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant
to the rating of your Policy or settlement of a claim, you hereby consent to
the release of information from that device to us and to any persons or entities working
with us, subject to any applicable state law. You also agree to fully cooperate with
us when dealing with any third party to facilitate the timely release of information
contained on the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to ask
you for your consent to electronic transactions, including providing you with Insurance
Policy Documents electronically. If you have provided this consent to us previously, and
have not withdrawn such consent, you will continue to receive all of your Insurance
Policy Documents from us electronically, as permitted by law. Insurance Policy Documents
in electronic format will have the same contractual force and effect as Insurance Policy
Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy Documents
electronically, you may withdraw your consent at any time and begin receiving Insurance
Policy Documents in paper format. In addition, you may request paper copies of your
electronic Insurance Policy Documents at any time. However, the Paper Documents Fee set
forth in the “Disclosure of Fees” section above may apply if you: (i) withdraw your consent
to electronic transactions, including receiving Insurance Policy Documents electronically;
or (ii) request to receive paper copies of your electronic Insurance Policy Documents. If
you elect to receive paper copies of Insurance Policy Documents, you may, at any time,
request and consent to electronic transactions, including receiving Insurance Policy
Documents electronically. Please call us at 1-800-ESURANCE (1-800-378-7262) for any such
withdrawals or requests.
Technical Requirements for Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically, you must have:
(i) a computer capable of connecting to the Internet; (ii) an Internet Service Provider; (iii) a
browser capable of viewing our Web site; (iv) an email service account that allows you to read,
write, and send email; and (v) the ability to use hyperlinks to access other Web sites
(collectively referred to as the “Technical Requirements”). You must have the Technical
Requirements to download, display, print, and retain Insurance Policy Documents in Adobe Portable
Display Format. Once you purchase your Policy, you will be given the opportunity to download a free
copy of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable Display Format.
If you do not have the Technical Requirements, you cannot receive Insurance Policy Documents
electronically.
Cell Phone Policy
You agree that you are providing your express consent to receive calls and text messages on your cellular
telephone, and on any other device on which you may receive calls or text messages, from Esurance, its
agents, affiliates and service providers that are placed using an automatic telephone dialing system or
using artificial or prerecorded voice messages.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will
be accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located on the page
or in your browser frame. To download and save any of your Insurance Policy Documents
to your computer, open the insurance policy document by clicking on its hyperlink
or icon and follow Adobe Reader’s directions for downloading and saving documents.
ADDITIONAL STATE-REQUIRED INFORMATION
Pennsylvania requires that we provide you with the following information.
NOTICE OF TORT OPTIONS
The laws of the Commonwealth of Pennsylvania give you the right to choose either
of the following tort options:
"Limited Tort" Option -- This form of insurance limits your right and the rights
of members of your household to seek financial compensation for injuries caused
by other drivers. Under this form of insurance, you and other household members
covered under
this Policy may seek recovery for all medical and other out-of-pocket expenses,
but not pain and suffering or other non-monetary damages, unless the injuries suffered
fall within the definition of "serious injury" as set forth in the Policy, or unless
other exceptions noted in the Policy applies.
"Full Tort" Option -- This form of insurance allows you to maintain an unrestricted
right for yourself and other members of your household to seek financial compensation
for injuries caused by other drivers. Under this form of insurance, you and other
household
members covered under this Policy may seek recovery for all medical and other out-of-pocket
expenses and may also seek financial compensation for pain and suffering or other
non-monetary damages as a result of the injuries caused by other drivers.
If you wish to change the tort option that currently applies to your Policy, you
must notify us and request and complete the appropriate form.
PENNSYLVANIA SURCHARGE DISCLOSURE STATEMENT
In compliance with 75 Pa. C.S. Section 1793(b), we provide this surcharge disclosure
plan to explain our system of driving record points. This statement provides an
overview, and more detailed information is available upon request.
Driving record points are assigned to operators for chargeable accidents and violations.
All accidents and violations occurring in the 36-month period prior to policy inception
are considered in developing a driver’s policy premium. If a driver is added mid-term,
accidents and violations will be charged for the entire 36-month period prior to
the driver being added to the policy.
Point surcharges follow the driver. To determine if the accident or violation took
place in the chargeable period, we use the occurrence date instead of the conviction
date. We charge for accidents and violations occurring while a driver is operating
a private passenger automobile, commercial vehicle, motorcycle, or recreational
vehicle.
Accidents. We assess a surcharge of approximately 41% for each at-fault accident
charged to an operator. Accidents are chargeable if, as a result of the accident(s),
the insurer incurs at least $1,450 in aggregate losses in excess of any deductible
for personal injury or damage to property, including the insured’s. If the insured
can demonstrate that any of the facts of loss described in 31 Pa. Code Section 67.33
(non-chargeable accidents) apply to an accident, the accident will not be charged
to the operator.
Minor Violations. We assess a surcharge of approximately 30% for the second and
each subsequent conviction of routine traffic infractions like speeding or failure
to yield. Most of these infractions are listed in 75 Pa. C.S. Section 1535.
Major Violations. We assess a surcharge of approximately 34% for each conviction
of a violation which suggests the presence of a materially increased risk in a motorist.
Such major violations include vehicular homicide, leaving the scene of an accident
involving
death or injury, or fleeing a police officer.
Driving While Intoxicated. We assess a surcharge of approximately 20% for each Driving
While Intoxicated infraction for conviction under Section 3731 (Driving under the
influence of alcohol or controlled substance), notice of Section 1534 (Acceptance
of
Accelerated Rehabilitative Disposition), or any similar infraction.
Late Payment Activity. We assess a surcharge of approximately 15% at renewal when
there have been one or more instances of late payment activity for the prior term.
This surcharge will apply for a period of 24 months.
Inexperienced Operator. We assess a surcharge of approximately 5-20% when an inexperienced
operator is listed on the policy. The amount of the surcharge is reduced for each
additional year of driving experience. This surcharge does not apply to drivers
with at least 3 years of driving experience.
Consent to Transact Business Electronically
If you have previously agreed to transact business electronically, then by accepting our
renewal offer, you: (i) agree to continue to transact business electronically through our
Web site and by email to, among other things, make payments, receive Insurance Policy
Documents, renew and terminate your Policy, and send to us and receive from us
communications related to your Policy; (ii) unless otherwise indicated, agree to accept
all Insurance Policy Documents electronically in lieu of delivery by U.S. Mail or other
physical delivery method; provided, however, that, as required by law, we will deliver
certain Insurance Policy Documents, such as termination notices, in paper format via U.S.
Mail; and (iii) acknowledge that you have read the disclosure regarding the use of
electronic records and signatures in connection with your online account as provided on
our Web site. If you have previously chosen to transact business by non-electronic means
by receiving Insurance Policy Documents in paper format and by calling Esurance at
1-800-ESURANCE (1-800-378-7262) to make any changes or updates regarding your Policy then
that choice will remain in effect until you agree to transact business electronically.
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We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer to Esurance Insurance Services,
Inc., doing business as Esurance or Esurance Insurance Agency Services. "You" and
"your" refer to the named insured(s) identified in the Declarations Page ("Declarations
Page"), and any spouse of the named insured who resides in the same household. "Insurance
Policy Documents" collectively refers to your original application, this Agreement,
and all forms, endorsements, and notices issued to you by us, including any electronic
communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to
pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00
for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received
by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a
proof of financial responsibility filing.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any
reason or if we cancel your Policy due to your failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies of
Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Pennsylvania is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy. If a cancellation notice is generated, you will be charged a Cancellation
Fee and a cancellation notice will be mailed to the address shown on your Policy.
Notice of Insurance Practices and Use of
Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
Fraudulent Information Statement
It is unlawful to knowingly provide false, incomplete, or misleading facts and information
to an insurance company for the purpose of defrauding or attempting to defraud the
company. Penalties may include imprisonment, fines, denial of insurance and civil
damages. Any person who knowingly and with intent to injure or defraud any insurer,
files an application or claim containing false, incomplete or misleading information
shall, upon conviction, be subject to imprisonment for up to seven years and payment
of a fine of up to $15,000.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant
to the rating of your Policy or settlement of a claim, you hereby consent to
the release of information from that device to us and to any persons or entities working
with us, subject to any applicable state law. You also agree to fully cooperate with
us when dealing with any third party to facilitate the timely release of information
contained on the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to ask
you for your consent to electronic transactions, including providing you with Insurance
Policy Documents electronically. If you have provided this consent to us previously, and
have not withdrawn such consent, you will continue to receive all of your Insurance Policy
Documents from us electronically, as permitted by law. Insurance Policy Documents in
electronic format will have the same contractual force and effect as Insurance Policy
Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy Documents
electronically, you may withdraw your consent at any time and begin receiving Insurance
Policy Documents in paper format. In addition, you may request paper copies of your
electronic Insurance Policy Documents at any time. However, the Paper Documents Fee set
forth in the “Disclosure of Fees” section above may apply if you: (i) withdraw your consent
to electronic transactions, including receiving Insurance Policy Documents electronically;
or (ii) request to receive paper copies of your electronic Insurance Policy Documents. If
you elect to receive paper copies of Insurance Policy Documents, you may, at any time,
request and consent to electronic transactions, including receiving Insurance Policy
Documents electronically. Please call us at 1-800-ESURANCE (1-800-378-7262) for any such
withdrawals or requests.
Technical Requirements for Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically, you must
have: (i) a computer capable of connecting to the Internet; (ii) an Internet Service Provider;
(iii) a browser capable of viewing our Web site; (iv) an email service account that allows you
to read, write, and send email; and (v) the ability to use hyperlinks to access other Web sites
(collectively referred to as the “Technical Requirements”). You must have the Technical
Requirements to download, display, print, and retain Insurance Policy Documents in Adobe
Portable Display Format. Once you purchase your Policy, you will be given the opportunity to
download a free copy of Adobe Reader so that you can view Insurance Policy Documents in Adobe
Portable Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
Cell Phone Policy
You agree that you are providing your express consent to receive calls and text messages on your
cellular telephone, and on any other device on which you may receive calls or text messages, from
Esurance, its agents, affiliates and service providers that are placed using an automatic telephone
dialing system or using artificial or prerecorded voice messages.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will
be accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located on the page
or in your browser frame. To download and save any of your Insurance Policy Documents
to your computer, open the insurance policy document by clicking on its hyperlink
or icon and follow Adobe Reader’s directions for downloading and saving documents.
ADDITIONAL STATE-REQUIRED INFORMATION
Pennsylvania requires that we provide you with the following information.
NOTICE OF TORT OPTIONS
The laws of the Commonwealth of Pennsylvania give you the right to choose either
of the following tort options:
"Limited Tort" Option -- This form of insurance limits your right and the rights
of members of your household to seek financial compensation for injuries caused
by other drivers. Under this form of insurance, you and other household members
covered under
this Policy may seek recovery for all medical and other out-of-pocket expenses,
but not pain and suffering or other non-monetary damages, unless the injuries suffered
fall within the definition of "serious injury" as set forth in the Policy, or unless
other exceptions noted in the Policy applies.
"Full Tort" Option -- This form of insurance allows you to maintain an unrestricted
right for yourself and other members of your household to seek financial compensation
for injuries caused by other drivers. Under this form of insurance, you and other
household
members covered under this Policy may seek recovery for all medical and other out-of-pocket
expenses and may also seek financial compensation for pain and suffering or other
non-monetary damages as a result of the injuries caused by other drivers.
If you wish to change the tort option that currently applies to your Policy, you
must notify us and request and complete the appropriate form.
PENNSYLVANIA SURCHARGE DISCLOSURE STATEMENT
In compliance with 75 Pa. C.S. Section 1793(b), we provide this surcharge disclosure
plan to explain our system of driving record points. This statement provides an
overview, and more detailed information is available upon request.
Driving record points are assigned to operators for chargeable accidents and violations.
All accidents and violations occurring in the 36-month period prior to policy inception
are considered in developing a driver’s policy premium. If a driver is added mid-term,
accidents and violations will be charged for the entire 36-month period prior to
the driver being added to the policy.
Point surcharges follow the driver. To determine if the accident or violation took
place in the chargeable period, we use the occurrence date instead of the conviction
date. We charge for accidents and violations occurring while a driver is operating
a private passenger automobile, commercial vehicle, motorcycle, or recreational
vehicle.
Accidents. We assess a surcharge of approximately 41% for each at-fault accident
charged to an operator. Accidents are chargeable if, as a result of the accident(s),
the insurer incurs at least $1,450 in aggregate losses in excess of any deductible
for personal injury or damage to property, including the insured’s. If the insured
can demonstrate that any of the facts of loss described in 31 Pa. Code Section 67.33
(non-chargeable accidents) apply to an accident, the accident will not be charged
to the operator.
Minor Violations. We assess a surcharge of approximately 36% for the second and
each subsequent conviction of routine traffic infractions like speeding or failure
to yield. Most of these infractions are listed in 75 Pa. C.S. Section 1535.
Major Violations. We assess a surcharge of approximately 41% for each conviction
of a violation which suggests the presence of a materially increased risk in a motorist.
Such major violations include vehicular homicide, leaving the scene of an accident
involving
death or injury, or fleeing a police officer.
Driving While Intoxicated. We assess a surcharge of approximately 25% for each Driving
While Intoxicated infraction for conviction under Section 3731 (Driving under the
influence of alcohol or controlled substance), notice of Section 1534 (Acceptance
of
Accelerated Rehabilitative Disposition), or any similar infraction.
Late Payment Activity. We assess a surcharge of approximately 15% at renewal when
there have been one or more instances of late payment activity for the prior term.
This surcharge will apply for a period of 24 months.
Inexperienced Operator. We assess a surcharge of approximately 5-20% when an inexperienced
operator is listed on the policy. The amount of the surcharge is reduced for each
additional year of driving experience. This surcharge does not apply to drivers
with at least 3 years of driving experience.
Consent to Transact Business Electronically
If you have previously agreed to transact business electronically, then by accepting our renewal
offer, you: (i) agree to continue to transact business electronically through our Web site and by
email to, among other things, make payments, receive Insurance Policy Documents, renew and
terminate your Policy, and send to us and receive from us communications related to your Policy;
(ii) unless otherwise indicated, agree to accept all Insurance Policy Documents electronically in
lieu of delivery by U.S. Mail or other physical delivery method; provided, however, that, as
required by law, we will deliver certain Insurance Policy Documents, such as termination notices,
in paper format via U.S. Mail; and (iii) acknowledge that you have read the disclosure regarding
the use of electronic records and signatures in connection with your online account as provided on
our Web site. If you have previously chosen to transact business by non-electronic means by
receiving Insurance Policy Documents in paper format and by calling Esurance at 1-800-ESURANCE
(1-800-378-7262) to make any changes or updates regarding your Policy then that choice will remain
in effect until you agree to transact business electronically.
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Rhode Island
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer
to Esurance Insurance Services, Inc., doing business as Esurance or Esurance Insurance
Agency Services. "You" and "your" refer to the named insured(s)
identified in the Declarations Page ("Declarations Page"), and any spouse
of the named insured who resides in the same household. "Insurance Policy Documents"
collectively refers to your original application, this Agreement, and all forms,
endorsements, and notices issued to you by us, including any electronic communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to
pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee
of $3.00 for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $10.00 for each payment that is not
received by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires
a proof of financial responsibility filing.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for
any reason.
Driving Device Restocking Fee
You may be charged a Driving Device Restocking Fee of $100.00 for each device when
the device(s) is/are not returned following policy cancellation or opting out of
the DriveSenseTM Discount program.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies
of Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Rhode Island is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy, in which case a cancellation notice will be mailed to the address
shown on your Policy.
Notice of Insurance Practices and Use of
Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
Fraudulent Information Statement
Any person who knowingly presents a false or fraudulent claim for payment of a loss
or benefit or knowingly presents false information in an application for insurance
is guilty of a crime and may be subject to fines and confinement in prison.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification
device, or any similar device capable of providing information relevant to the rating
of your Policy or settlement of a claim, you hereby consent to the release of information
from that device to us and to any persons or entities working with us, subject to
any applicable state law. You also agree to fully cooperate with us when dealing
with any third party to facilitate the timely release of information contained on
the device to us.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires us
to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you:
(i) withdraw your consent to electronic transactions, including receiving Insurance
Policy Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic transactions,
including receiving Insurance Policy Documents electronically. Please call us at
1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements for Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display,
print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once
you purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text
messages on your cellular telephone, and on any other device on which you may receive
calls or text messages, from Esurance, its agents, affiliates and service providers
that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will
be accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located on
the page or in your browser frame. To download and save any of your Insurance Policy
Documents to your computer, open the insurance policy document by clicking on its
hyperlink or icon and follow Adobe Reader’s directions for downloading and saving
documents.
Consent to Transact Business Electronically
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive
Insurance Policy Documents, renew and terminate or rescind your Policy, and send
to us and receive from us communications related to your Policy; (ii) unless otherwise
indicated, agree to accept all Insurance Policy Documents electronically in lieu
of delivery by U.S. Mail or other physical delivery method; provided, however, that
we may deliver certain Insurance Policy Documents in paper format via U.S. Mail;
and (iii) acknowledge that you have read the disclosure regarding the use of electronic
records and signatures in connection with your online account as provided on our
Web site. If you have previously chosen to transact business by non-electronic means
by receiving Insurance Policy Documents in paper format and by calling Esurance
at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates regarding your
Policy then that choice will remain in effect until you agree to transact business
electronically.
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We greatly appreciate your business. Please read this Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance Insurance Agency Services. "You" and "your" refer to the named insured(s) identified in the Declarations Page ("Declarations Page"), and any spouse of the named insured who resides in the same household. "Insurance Policy Documents" collectively refers to your original application, this Agreement, and all forms, endorsements, and notices issued to you by us, including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of the terms and conditions contained herein; (ii) declare that your Declarations Page is accurate and reflects your desired coverage selections and coverage limits; (iii) declare that you have listed all drivers in your household, including any regular or frequent operators of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described any business or commercial use of your vehicle(s); and (v) agree that no coverage will be bound if your financial institution does not honor, or we do not receive, your payment.
DISCLOSURE OF FEES
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $10.00 for each payment that is not received by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a proof of financial responsibility filing.
Short Rate Fee
You may be charged a Short Rate Fee equal to 10% of the unearned premium if you cancel your Policy for any reason. This Short Rate Fee is in addition to any premium we earn for the coverage provided and may be deducted from any refund due to you.
Uninsured Motorists Fund Fee
An Uninsured Motorists Fund Fee of $1.00 will apply per six-month term to each vehicle with Uninsured Motorist Coverage. In accordance with South Carolina law, insurance companies are required to collect this Uninsured Motorists Fund Fee from you and deliver it to the state of South Carolina. This Uninsured Motorists Fund Fee will be considered as a part of the premium for Uninsured Motorist Coverage and will be fully earned at issuance.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies of Insurance Policy Documents that we would otherwise provide to you electronically. The current Paper Documents Fee in South Carolina is $0.00.
State-Required Fees
You will be charged for any other fees as required or permitted by your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your payment must be received by its due date. We do not accept partial payments of the invoiced amount. If your full payment for the invoiced amount is not received by the due date, a Late Payment Fee will be charged to your account. Any unpaid premium may result in the cancellation of your Policy. If a cancellation notice is generated, you will be charged a Short Rate Fee and a cancellation notice will be mailed to the address shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from persons other than you. Such information, as well as other personal and privileged information collected by us or our agents, may, in certain circumstances and as permitted by law, be disclosed to third parties. You have the right to review your personal information in our files and request the correction of any inaccuracies. More information about your rights and our practices regarding your personal information is available upon request. Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine the correct premium to charge you, we order one or more reports provided by independent consumer reporting agencies. These reports are necessary to verify information that you have provided us. Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history report, and, where allowed by law, an insurance score based on information contained in your credit report. We may use a third party in connection with the development of your insurance score. All reports are impartial statements of fact and are kept strictly confidential. The information we obtain will be used only for business purposes and to ensure that each applicant is evaluated fairly. Future reports may also be used for an update, renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon request, we will provide you with the name, address, and telephone number of any consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you may request a review once for every six-month policy term. Any adjustment in premium made pursuant to a change in your credit history will be reflected on your next renewal offer.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification device, or any similar device capable of providing information relevant to the rating of your Policy or settlement of a claim, you hereby consent to the release of information from that device to us and to any persons or entities working with us, subject to any applicable state law. You also agree to fully cooperate with us when dealing with any third party to facilitate the timely release of information contained on the device to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address, mailing address, or telephone number by updating your online account with your new contact information, calling our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an email to support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to ask you for your consent to electronic transactions, including providing you with Insurance Policy Documents electronically. If you have provided this consent to us previously, and have not withdrawn such consent, you will continue to receive all of your Insurance Policy Documents from us electronically, as permitted by law. Insurance Policy Documents in electronic format will have the same contractual force and effect as Insurance Policy Documents in paper format.
PAPER DOCUMENTS
If you consent to electronic transactions, including receiving Insurance Policy Documents electronically, you may withdraw your consent at any time and begin receiving Insurance Policy Documents in paper format. In addition, you may request paper copies of your electronic Insurance Policy Documents at any time. However, the Paper Documents Fee set forth in the "Disclosure of Fees" section above may apply if you: (i) withdraw your consent to electronic transactions, including receiving Insurance Policy Documents electronically; or (ii) request to receive paper copies of your electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance Policy Documents, you may, at any time, request and consent to electronic transactions, including receiving Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy Documents electronically, you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email service account that allows you to read, write, and send email; and (v) the ability to use hyperlinks to access other Web sites (collectively referred to as the "Technical Requirements"). You must have the Technical Requirements to download, display, print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once you purchase your Policy, you will be given the opportunity to download a free copy of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable Display Format. If you do not have the Technical Requirements, you cannot receive Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text messages on your cellular telephone, and on any other device on which you may receive calls or text messages, from Esurance, its agents, affiliates and service providers that are placed using an automatic telephone dialing system or using artificial or prerecorded voice messages.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com and log in to your account with the email address and password you provided when you created or updated your account. Your Insurance Policy Documents will be accessible through your online account. To print any of your Insurance Policy Documents from your online account, click the "print" button located on the page or in your browser frame. To download and save any of your Insurance Policy Documents to your computer, open the insurance policy document by clicking on its hyperlink or icon and follow Adobe Reader's directions for downloading and saving documents.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business electronically, then by accepting our renewal offer, you: (i) agree to continue to transact business electronically through our Web site and by email to, among other things, make payments, receive Insurance Policy Documents, renew and terminate your Policy, and send to us and receive from us communications related to your Policy; (ii) unless otherwise indicated, agree to accept all Insurance Policy Documents electronically in lieu of delivery by U.S. Mail or other physical delivery method; provided, however, that, as required by law, we will deliver certain Insurance Policy Documents, such as termination notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read the disclosure regarding the use of electronic records and signatures in connection with your online account as provided on our Web site. If you have previously chosen to transact business by non-electronic means by receiving Insurance Policy Documents in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates regarding your Policy then that choice will remain in effect until you agree to transact business electronically.
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We greatly appreciate your business. Please read this Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our" refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance Insurance Agency Services. "You" and "your" refer to the named insured(s) identified in the Declarations Page ("Declarations Page"), and any spouse of the named insured who resides in the same household. "Insurance Policy Documents" collectively refers to your original application, this Agreement, and all forms, endorsements, and notices issued to you by us, including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of the terms and conditions contained herein; (ii) declare that your Declarations Page is accurate and reflects your desired coverage selections and coverage limits; (iii) declare that you have listed all drivers in your household, including any regular or frequent operators of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described any business or commercial use of your vehicle(s); and (v) agree that no coverage will be bound if your financial institution does not honor, or we do not receive, your payment.
DISCLOSURE OF FEES
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00 for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a proof of financial responsibility filing.
Driver Exclusion Fee
You may be charged a Driver Exclusion Fee of $25.00 if a driver is excluded from your Policy upon your request.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy for any reason or if we cancel your Policy due to your failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies of Insurance Policy Documents that we would otherwise provide to you electronically. The current Paper Documents Fee in Tennessee is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your payment must be received by its due date. We do not accept partial payments of the invoiced amount. If your full payment for the invoiced amount is not received by the due date, a Late Payment Fee will be charged to your account. Any unpaid premium may result in the cancellation of your Policy. If a cancellation notice is generated, you will be charged a Cancellation Fee and a cancellation notice will be mailed to the address shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from persons other than you. Such information, as well as other personal and privileged information collected by us or our agents, may, in certain circumstances and as permitted by law, be disclosed to third parties. You have the right to review your personal information in our files and request the correction of any inaccuracies. More information about your rights and our practices regarding your personal information is available upon request. Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine the correct premium to charge you, we order one or more reports provided by independent consumer reporting agencies. These reports are necessary to verify information that you have provided us. Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history report, and, where allowed by law, an insurance score based on information contained in your credit report. We may use a third party in connection with the development of your insurance score. All reports are impartial statements of fact and are kept strictly confidential. The information we obtain will be used only for business purposes and to ensure that each applicant is evaluated fairly. Future reports may also be used for an update, renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon request, we will provide you with the name, address, and telephone number of any consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you may request a review once for every six-month policy term. Any adjustment in premium made pursuant to a change in your credit history will be reflected on your next renewal offer.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data Recorder, mileage verification device, or any similar device capable of providing information relevant to the rating of your Policy or settlement of a claim, you hereby consent to the release of information from that device to us and to any persons or entities working with us, subject to any applicable state law. You also agree to fully cooperate with us when dealing with any third party to facilitate the timely release of information contained on the device to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address, mailing address, or telephone number by updating your online account with your new contact information, calling our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an email to support@csr.esurance.com. The policyholder electing to allow for notices and communications to be sent to the electronic mail address provided by the policyholder should be aware that the insurer rightfully considers this election to be consent by the policyholder that all notices may be sent electronically, including notice of nonrenewal and notice of cancellation. Therefore the policyholder should be diligent in updating the electronic mail address provided to the insurer in the event that the address should change.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to ask you for your consent to electronic transactions, including providing you with Insurance Policy Documents electronically. If you have provided this consent to us previously, and have not withdrawn such consent, you will continue to receive all of your Insurance Policy Documents from us electronically, as permitted by law. Insurance Policy Documents in electronic format will have the same contractual force and effect as Insurance Policy Documents in paper format.
PAPER DOCUMENTS
If you consent to electronic transactions, including receiving Insurance Policy Documents electronically, you may withdraw your consent at any time and begin receiving Insurance Policy Documents in paper format. In addition, you may request paper copies of your electronic Insurance Policy Documents at any time. However, the Paper Documents Fee set forth in the "Disclosure of Fees" section above may apply if you: (i) withdraw your consent to electronic transactions, including receiving Insurance Policy Documents electronically; or (ii) request to receive paper copies of your electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance Policy Documents, you may, at any time, request and consent to electronic transactions, including receiving Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy Documents electronically, you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email service account that allows you to read, write, and send email; and (v) the ability to use hyperlinks to access other Web sites (collectively referred to as the "Technical Requirements"). You must have the Technical Requirements to download, display, print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once you purchase your Policy, you will be given the opportunity to download a free copy of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable Display Format. If you do not have the Technical Requirements, you cannot receive Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls and text messages on your cellular telephone, and on any other device on which you may receive calls or text messages, from Esurance, its agents, affiliates and service providers that are placed using an automatic telephone dialing system or using artificial or prerecorded voice messages.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com and log in to your account with the email address and password you provided when you created or updated your account. Your Insurance Policy Documents will be accessible through your online account. To print any of your Insurance Policy Documents from your online account, click the "print" button located on the page or in your browser frame. To download and save any of your Insurance Policy Documents to your computer, open the insurance policy document by clicking on its hyperlink or icon and follow Adobe Reader's directions for downloading and saving documents.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business electronically, then by accepting our renewal offer, you: (i) agree to continue to transact business electronically through our Web site and by email to, among other things, make payments, receive Insurance Policy Documents, renew and terminate your Policy, and send to us and receive from us communications related to your Policy; (ii) unless otherwise indicated, agree to accept all Insurance Policy Documents electronically in lieu of delivery by U.S. Mail or other physical delivery method; provided, however, that, as required by law, we will deliver certain Insurance Policy Documents, such as termination notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read the disclosure regarding the use of electronic records and signatures in connection with your online account as provided on our Web site. If you have previously chosen to transact business by non-electronic means by receiving Insurance Policy Documents in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates regarding your Policy then that choice will remain in effect until you agree to transact business electronically.
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Texas
Welcome to Esurance! We greatly appreciate your business. Please read this Terms and Conditions Agreement (this “Agreement”) carefully.
As used in this Terms and Conditions Agreement (“Agreement”), “we,” “us,” and “our” refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance Insurance Agency Services. “You” and “your” refer to the named insured(s) identified in the Declarations Page (“Declarations Page”), and any spouse of the named insured who resides in the same household. “Insurance Policy Documents” collectively refers to your Application, this Agreement, your Declarations Page, and all forms, endorsements, and notices issued to you by us, including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of the terms and conditions contained herein; (ii) declare that your Declarations Page is accurate and reflects your desired coverage selections and coverage limits; (iii) declare that you have listed all drivers in your household, including any regular or frequent operators of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described any business or commercial use of your vehicle(s); and (v) agree that no coverage will be bound if your financial institution does not honor, or we do not receive, your payment; provided, however, that you will have the earlier of five days after actual notice by certified mail is received by you, or 15 days after notice is sent to you by certified or registered mail, to cure your non-payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received by the payment due date.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00 for each financed or leased vehicle listed on the Application.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a proof of financial responsibility filing.
Named Driver Fee
You may be charged a Named Driver Fee of $25.00 to print, process and mail a driver exclusion form.
Driving Device Restocking Fee
You may be charged a Driving Device Restocking Fee of $100.00 for each device when the device(s) is/are not returned following policy cancellation or opting out of the DriveSenseTM Discount program.
Paper Documents Fee
You may be charged a Paper Documents Fee of $25.00 for electing to receive paper copies of Insurance Policy Documents that we would otherwise provide to you electronically.
State-Required Fees
You will be charged for fees as required by your state, if any.
Cancellation for Non-Payment of Premium
To keep your Policy current and avoid cancellation, your payment must be received by its due date. We do not accept partial payments of the invoiced amount. If your full payment for the invoiced amount is not received by the due date, a Late Payment Fee will be charged to your account. Any unpaid premium may result in the cancellation of your Policy, in which case a cancellation notice will be mailed to the address shown on your Policy.
Release of Information Contained in Devices
If your insured vehicle is equipped with an Event Data Recorder, mileage verification device, or any similar device capable of providing information relevant to the rating of your Policy or settlement of a claim, you hereby consent to the release of information from that device to us and to any persons or entities working with us, subject to any applicable state law. You also agree to fully cooperate with us when dealing with any third party to facilitate the timely release of information contained on the device to us.
Notice of Insurance Practices and Use of Consumer Reports
Personal information about you may be collected from persons other than you. Such information, as well as other personal and privileged information collected by us or our agents, may, in certain circumstances and as permitted by law, be disclosed to third parties. You have the right to review your personal information in our files and request the correction of any inaccuracies. More information about your rights and our practices regarding your personal information is available upon request. Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine the correct premium to charge you, we order one or more reports provided by independent consumer reporting agencies. These reports are necessary to verify information that you have provided us. Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history report, and, where allowed by law, an insurance score based on information contained in your credit report. We may use a third party in connection with the development of your insurance score. All reports are impartial statements of fact and are kept strictly confidential. The information we obtain will be used only for business purposes and to ensure that each applicant is evaluated fairly. Future reports may also be used for an update, renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon request, we will provide you with the name, address, and telephone number of any consumer reporting agency that furnishes us with your report.
Electronic Transactions
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to ask you for your consent to electronic transactions, including providing you with Insurance Policy Documents electronically. If you consent, you will receive all of your Insurance Policy Documents from us electronically, as permitted by law. Insurance Policy Documents in electronic format will have the same contractual force and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy Documents electronically, you may withdraw your consent at any time and begin receiving Insurance Policy Documents in paper format. In addition, you may request paper copies of your electronic Insurance Policy Documents at any time. However, the Paper Documents Fee set forth in the “Disclosure of Fees” section above may apply if you: (i) do not consent to electronic transactions, including receiving Insurance Policy Documents electronically; (ii) withdraw your consent to electronic transactions, including receiving Insurance Policy Documents electronically; or (iii) request to receive paper copies of your electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance Policy Documents, you may, at any time, request and consent to electronic transactions, including receiving Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements For Electronic Delivery
Before you give your consent to electronic transactions, including receiving Insurance Policy Documents electronically, please be aware that, in order to access Insurance Policy Documents electronically, you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email service account that allows you to read, write, and send email; and (v) the ability to use hyperlinks to access other Web sites (collectively referred to as the “Technical Requirements”). You must have the Technical Requirements to download, display, print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once you purchase your Policy, you will be given the opportunity to download a free copy of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable Display Format. If you do not have the Technical Requirements, you cannot receive Insurance Policy Documents electronically.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when you created or updated your account. Your Insurance Policy Documents will be accessible through your online account. To print any of your Insurance Policy Documents from your online account, click the “print” button located on the page or in your browser frame. To download and save any of your Insurance Policy Documents to your computer, open the insurance policy document by clicking on its hyperlink or icon and follow Adobe Reader’s directions for downloading and saving documents.
Cell Phone Policy
You agree that you are providing your express consent to receive calls and text messages on your cellular telephone, and on any other device on which you may receive calls or text messages, from Esurance, its agents, affiliates and service providers that are placed using an automatic telephone dialing system or using artificial or prerecorded voice messages
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone number by updating your online account with your new contact information, calling our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an email to support@csr.esurance.com.
FRAUDULENT INFORMATION STATEMENT
Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud..
Consent to Transact Business Electronically.
If you have previously agreed to transact business electronically, then by accepting our renewal offer, you: (i) agree to continue to transact business electronically through our Web site and by email to, among other things, make payments, receive Insurance Policy Documents, renew and terminate your Policy, and send to us and receive from us communications related to your Policy; (ii) unless otherwise indicated, agree to accept all Insurance Policy Documents electronically in lieu of delivery by U.S. Mail or other physical delivery method; provided, however, that, as required by law, we will deliver certain Insurance Policy Documents, such as termination notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read the disclosure regarding the use of electronic records and signatures in connection with your online account as provided on our Web site. If you have previously chosen to transact business by non-electronic means by receiving Insurance Policy Documents in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates regarding your Policy then that choice will remain in effect until you agree to transact business electronically.
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Texas
Welcome to Esurance! We greatly appreciate your business. Please read this Terms and Conditions Agreement (this “Agreement”) carefully.
As used in this Terms and Conditions Agreement (“Agreement”), “we,” “us,” and “our” refer to Esurance Insurance Services, Inc., doing business as Esurance or Esurance Insurance Agency Services. “You” and “your” refer to the named insured(s) identified in the Declarations Page (“Declarations Page”), and any spouse of the named insured who resides in the same household. “Insurance Policy Documents” collectively refers to your Application, this Agreement, your Declarations Page, and all forms, endorsements, and notices issued to you by us, including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of the terms and conditions contained herein; (ii) declare that your Declarations Page is accurate and reflects your desired coverage selections and coverage limits; (iii) declare that you have listed all drivers in your household, including any regular or frequent operators of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described any business or commercial use of your vehicle(s); and (v) agree that no coverage will be bound if your financial institution does not honor, or we do not receive, your payment; provided, however, that you will have the earlier of five days after actual notice by certified mail is received by you, or 15 days after notice is sent to you by certified or registered mail, to cure your non-payment.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect to pay your premium in installments.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received by the payment due date.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of $3.00 for each financed or leased vehicle listed on the Application.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires a proof of financial responsibility filing.
Named Driver Fee
You may be charged a Named Driver Fee of $25.00 to print, process and mail a driver exclusion form.
Driving Device Restocking Fee
You may be charged a Driving Device Restocking Fee of $100.00 for each device when the device(s) is/are not returned following policy cancellation or opting out of the DriveSenseTM Discount program.
Paper Documents Fee
You may be charged a Paper Documents Fee of $25.00 for electing to receive paper copies of Insurance Policy Documents that we would otherwise provide to you electronically.
State-Required Fees
You will be charged for fees as required by your state, if any.
Cancellation for Non-Payment of Premium
To keep your Policy current and avoid cancellation, your payment must be received by its due date. We do not accept partial payments of the invoiced amount. If your full payment for the invoiced amount is not received by the due date, a Late Payment Fee will be charged to your account. Any unpaid premium may result in the cancellation of your Policy, in which case a cancellation notice will be mailed to the address shown on your Policy.
Release of Information Contained in Devices
If your insured vehicle is equipped with an Event Data Recorder, mileage verification device, or any similar device capable of providing information relevant to the rating of your Policy or settlement of a claim, you hereby consent to the release of information from that device to us and to any persons or entities working with us, subject to any applicable state law. You also agree to fully cooperate with us when dealing with any third party to facilitate the timely release of information contained on the device to us.
Notice of Insurance Practices and Use of Consumer Reports
Personal information about you may be collected from persons other than you. Such information, as well as other personal and privileged information collected by us or our agents, may, in certain circumstances and as permitted by law, be disclosed to third parties. You have the right to review your personal information in our files and request the correction of any inaccuracies. More information about your rights and our practices regarding your personal information is available upon request. Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine the correct premium to charge you, we order one or more reports provided by independent consumer reporting agencies. These reports are necessary to verify information that you have provided us. Examples of reports include, but are not limited to, a Motor Vehicle Report (MVR), an insurance claim history report, and, where allowed by law, an insurance score based on information contained in your credit report. We may use a third party in connection with the development of your insurance score. All reports are impartial statements of fact and are kept strictly confidential. The information we obtain will be used only for business purposes and to ensure that each applicant is evaluated fairly. Future reports may also be used for an update, renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon request, we will provide you with the name, address, and telephone number of any consumer reporting agency that furnishes us with your report.
Electronic Transactions
The Electronic Signatures in Global and National Commerce Act of 2000 requires us to ask you for your consent to electronic transactions, including providing you with Insurance Policy Documents electronically. If you consent, you will receive all of your Insurance Policy Documents from us electronically, as permitted by law. Insurance Policy Documents in electronic format will have the same contractual force and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy Documents electronically, you may withdraw your consent at any time and begin receiving Insurance Policy Documents in paper format. In addition, you may request paper copies of your electronic Insurance Policy Documents at any time. However, the Paper Documents Fee set forth in the “Disclosure of Fees” section above may apply if you: (i) do not consent to electronic transactions, including receiving Insurance Policy Documents electronically; (ii) withdraw your consent to electronic transactions, including receiving Insurance Policy Documents electronically; or (iii) request to receive paper copies of your electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance Policy Documents, you may, at any time, request and consent to electronic transactions, including receiving Insurance Policy Documents electronically. Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
Technical Requirements For Electronic Delivery
Before you give your consent to electronic transactions, including receiving Insurance Policy Documents electronically, please be aware that, in order to access Insurance Policy Documents electronically, you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email service account that allows you to read, write, and send email; and (v) the ability to use hyperlinks to access other Web sites (collectively referred to as the “Technical Requirements”). You must have the Technical Requirements to download, display, print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once you purchase your Policy, you will be given the opportunity to download a free copy of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable Display Format. If you do not have the Technical Requirements, you cannot receive Insurance Policy Documents electronically.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when you created or updated your account. Your Insurance Policy Documents will be accessible through your online account. To print any of your Insurance Policy Documents from your online account, click the “print” button located on the page or in your browser frame. To download and save any of your Insurance Policy Documents to your computer, open the insurance policy document by clicking on its hyperlink or icon and follow Adobe Reader’s directions for downloading and saving documents.
Cell Phone Policy
You agree that you are providing your express consent to receive calls and text messages on your cellular telephone, and on any other device on which you may receive calls or text messages, from Esurance, its agents, affiliates and service providers that are placed using an automatic telephone dialing system or using artificial or prerecorded voice messages
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone number by updating your online account with your new contact information, calling our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an email to support@csr.esurance.com.
FRAUDULENT INFORMATION STATEMENT
Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud..
Consent to Transact Business Electronically.
If you have previously agreed to transact business electronically, then by accepting our renewal offer, you: (i) agree to continue to transact business electronically through our Web site and by email to, among other things, make payments, receive Insurance Policy Documents, renew and terminate your Policy, and send to us and receive from us communications related to your Policy; (ii) unless otherwise indicated, agree to accept all Insurance Policy Documents electronically in lieu of delivery by U.S. Mail or other physical delivery method; provided, however, that, as required by law, we will deliver certain Insurance Policy Documents, such as termination notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read the disclosure regarding the use of electronic records and signatures in connection with your online account as provided on our Web site. If you have previously chosen to transact business by non-electronic means by receiving Insurance Policy Documents in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates regarding your Policy then that choice will remain in effect until you agree to transact business electronically.
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We greatly appreciate your business. Please read this
Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we,"
"us," and "our" refer to Esurance Insurance Services, Inc.,
doing business as Esurance or Esurance Insurance Agency Services.
"You" and "your" refer to the named insured(s) identified
in the Declarations Page ("Declarations Page"), and any spouse of the
named insured who resides in the same household. "Insurance Policy
Documents" collectively refers to your original application, this
Agreement, and all forms, endorsements, and notices issued to you by us,
including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of
the terms and conditions contained herein; (ii) declare that your Declarations
Page is accurate and reflects your desired coverage selections and coverage
limits; (iii) declare that you have listed all drivers in your household,
including any regular or frequent operators of the vehicle(s) listed in the
Declarations Page; (iv) declare that you have described any business or
commercial use of your vehicle(s); and (v) agree that no coverage will be bound
if your financial institution does not honor, or we do not receive, your initial
payment.
DISCLOSURE OF FEES
Installment Fee
You may be charged an Installment Fee, as allowed by your
state, if you elect to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company
Notification Service Fee of $3.00 for each financed or leased vehicle listed on
the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each
payment that is not received by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each
driver who requires a proof of financial responsibility filing.
Driver Exclusion Fee
You may be charged a Driver Exclusion Fee of $25.00 if a
driver is excluded from your Policy upon your request.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you
cancel your Policy for any reason or if we cancel your Policy due to your
failure to pay any premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to
receive paper copies of Insurance Policy Documents that we would otherwise
provide to you electronically. The current Paper Documents Fee in Utah is
$25.00.
State-Required Fees
You will be charged for fees as required by your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your
payment must be received by its due date. We do not accept partial payments of
the invoiced amount. If your full payment for the invoiced amount is not
received by the due date, a Late Payment Fee will be charged to your account.
Any unpaid premium may result in the cancellation of your Policy. If a
cancellation notice is generated, you will be charged a Cancellation Fee and a
cancellation notice will be mailed to the address shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from
persons other than you. Such information, as well as other personal and
privileged information collected by us or our agents, may, in certain
circumstances and as permitted by law, be disclosed to third parties. You have
the right to review your personal information in our files and request the
correction of any inaccuracies. More information about your rights and our
practices regarding your personal information is available upon request. Please
contact us for more information.
In order to evaluate your eligibility for insurance
coverage with us and to determine the correct premium to charge you, we order
one or more reports provided by independent consumer reporting agencies. These
reports are necessary to verify information that you have provided us. Examples
of reports include, but are not limited to, a Motor Vehicle Report (MVR), an
insurance claim history report, and, where allowed by law, an insurance score
based on information contained in your credit report. We may use a third party
in connection with the development of your insurance score. All reports are
impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure
that each applicant is evaluated fairly. Future reports may also be used for an
update, renewal, extension, cancellation, or non-renewal of your insurance
coverage. Upon request, we will provide you with the name, address, and
telephone number of any consumer reporting agency that furnishes us with your
report.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or
misleading information to an insurance company for the purpose of defrauding
the company. Penalties include imprisonment, fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data
Recorder, mileage verification device, or any similar device capable of
providing information relevant to the rating of your Policy or settlement of a
claim, you hereby consent to the release of information from that device to us
and to any persons or entities working with us, subject to any applicable state
law. You also agree to fully cooperate with us when dealing with any third
party to facilitate the timely release of information contained on the device
to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address,
mailing address, or telephone number by updating your online account with your
new contact information, calling our customer service center at 1-800-ESURANCE
(1-800-378-7262), or by sending an email to support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce Act
of 2000 requires us to ask you for your consent to electronic transactions,
including providing you with Insurance Policy Documents electronically. If you
have provided this consent to us previously, and have not withdrawn such
consent, you will continue to receive all of your Insurance Policy Documents
from us electronically, as permitted by law. Insurance Policy Documents in
electronic format will have the same contractual force and effect as Insurance
Policy Documents in paper format.
PAPER DOCUMENTS
If you consent to electronic transactions, including receiving
Insurance Policy Documents electronically, you may withdraw your consent at any
time and begin receiving Insurance Policy Documents in paper format. In
addition, you may request paper copies of your electronic Insurance Policy
Documents at any time. However, the Paper Documents Fee set forth in the
"Disclosure of Fees" section above may apply if you: (i) withdraw your consent
to electronic transactions, including receiving Insurance Policy Documents
electronically; or (ii) request to receive paper copies of your electronic
Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic
transactions, including receiving Insurance Policy Documents electronically.
Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or
requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy
Documents electronically, you must have: (i) a computer capable of connecting
to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of
viewing our Web site; (iv) an email service account that allows you to read,
write, and send email; and (v) the ability to use hyperlinks to access other
Web sites (collectively referred to as the "Technical Requirements").
You must have the Technical Requirements to download, display, print, and
retain Insurance Policy Documents in Adobe Portable Display Format. Once you
purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe
Portable Display Format. If you do not have the Technical Requirements, you
cannot receive Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to
receive calls and text messages on your cellular telephone, and on any other
device on which you may receive calls or text messages, from Esurance, its
agents, affiliates and service providers that are placed using an automatic
telephone dialing system or using artificial or prerecorded voice messages.
ACCESSING YOUR ONLINE ACCOUNTOUNT
To access your online account, go to www.esurance.com and
log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will be
accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located
on the page or in your browser frame. To download and save any of your
Insurance Policy Documents to your computer, open the insurance policy document
by clicking on its hyperlink or icon and follow Adobe Reader's directions for
downloading and saving documents.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business
electronically, then by accepting our renewal offer, you: (i) agree to continue
to transact business electronically through our Web site and by email to, among
other things, make payments, receive Insurance Policy Documents, renew and
terminate your Policy, and send to us and receive from us communications related
to your Policy; (ii) unless otherwise indicated, agree to accept all Insurance
Policy Documents electronically in lieu of delivery by U.S. Mail or other
physical delivery method; provided, however, that, as required by law, we will
deliver certain Insurance Policy Documents, such as termination notices, in
paper format via U.S. Mail; and (iii) acknowledge that you have read the
disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously
chosen to transact business by non-electronic means by receiving Insurance
Policy Documents in paper format and by calling Esurance at 1-800-ESURANCE
(1-800-378-7262) to make any changes or updates regarding your Policy then that
choice will remain in effect until you agree to transact business
electronically.
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We greatly appreciate your business. Please read this
Terms and Conditions Agreement (this "Agreement") carefully.
As used in this Agreement, "we,"
"us," and "our" refer to Esurance Insurance Services, Inc.,
doing business as Esurance or Esurance Insurance Agency Services.
"You" and "your" refer to the named insured(s) identified
in the Declarations Page ("Declarations Page"), and any spouse of the
named insured who resides in the same household. "Insurance Policy
Documents" collectively refers to your original application, this
Agreement, and all forms, endorsements, and notices issued to you by us,
including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all of
the terms and conditions contained herein; (ii) declare that your Declarations
Page is accurate and reflects your desired coverage selections and coverage
limits; (iii) declare that you have listed all drivers in your household,
including any regular or frequent operators of the vehicle(s) listed in the
Declarations Page; (iv) declare that you have described any business or
commercial use of your vehicle(s); and (v) agree that no coverage will be bound
if your financial institution does not honor, or we do not receive, your
payment.
DISCLOSURE OF FEES
Installment Fee
You may be charged an Installment Fee, as allowed by your
state, if you elect to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company
Notification Service Fee of $3.00 for each financed or leased vehicle listed on
the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each
payment that is not received by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each
driver who requires a proof of financial responsibility filing.
Short Rate Fee
You may be charged a Short Rate Fee equal to 10% of the
unearned premium if you cancel your Policy for any reason. This Short Rate Fee
is in addition to any premium we earn for the coverage provided and may be
deducted from any refund due to you.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to
receive paper copies of Insurance Policy Documents that we would otherwise
provide to you electronically. The current Paper Documents Fee in Virginia is
$25.00.
State-Required Fees
You will be charged for fees as required by your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation, your
payment must be received by its due date. We do not accept partial payments of
the invoiced amount. If your full payment for the invoiced amount is not
received by the due date, a Late Payment Fee will be charged to your account.
Any unpaid premium may result in the cancellation of your Policy. If a
cancellation notice is generated, you will be charged a Short Rate Fee and a
cancellation notice will be mailed to the address shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from
persons other than you. Such information, as well as other personal and
privileged information collected by us or our agents, may, in certain
circumstances and as permitted by law, be disclosed to third parties. You have
the right to review your personal information in our files and request the
correction of any inaccuracies. More information about your rights and our
practices regarding your personal information is available upon request. Please
contact us for more information.
In order to evaluate your eligibility for insurance
coverage with us and to determine the correct premium to charge you, we order
one or more reports provided by independent consumer reporting agencies. These
reports are necessary to verify information that you have provided us. Examples
of reports include, but are not limited to, a Motor Vehicle Report (MVR), an
insurance claim history report, and, where allowed by law, an insurance score
based on information contained in your credit report. We may use a third party
in connection with the development of your insurance score. All reports are
impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure
that each applicant is evaluated fairly. Future reports may also be used for an
update, renewal, extension, cancellation, or non-renewal of your insurance
coverage. Upon request, we will provide you with the name, address, and
telephone number of any consumer reporting agency that furnishes us with your
report.
We will review your credit history when we are legally
required to do so, or you may request a review once for every six-month policy
term. Any adjustment in premium made pursuant to a change in your credit
history will be reflected on your next renewal offer.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or
misleading information to an insurance company for the purpose of defrauding
the company. Penalties include imprisonment, fines, and denial of insurance
benefits.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address,
mailing address, or telephone number by updating your online account with your
new contact information, calling our customer service center at 1-800-ESURANCE
(1-800-378-7262), or by sending an email to support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce Act
of 2000 requires us to ask you for your consent to electronic transactions,
including providing you with Insurance Policy Documents electronically. If you
have provided this consent to us previously, and have not withdrawn such
consent, you will continue to receive all of your Insurance Policy Documents
from us electronically, as permitted by law. Insurance Policy Documents in
electronic format will have the same contractual force and effect as Insurance
Policy Documents in paper format.
PAPER DOCUMENTS
If you consent to electronic transactions, including receiving
Insurance Policy Documents electronically, you may withdraw your consent at any
time and begin receiving Insurance Policy Documents in paper format. In
addition, you may request paper copies of your electronic Insurance Policy
Documents at any time. However, the Paper Documents Fee set forth in the
"Disclosure of Fees" section above may apply if you: (i) withdraw your consent
to electronic transactions, including receiving Insurance Policy Documents
electronically; or (ii) request to receive paper copies of your electronic
Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic
transactions, including receiving Insurance Policy Documents electronically.
Please call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or
requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy
Documents electronically, you must have: (i) a computer capable of connecting
to the Internet; (ii) an Internet Service Provider; (iii) a browser capable of
viewing our Web site; (iv) an email service account that allows you to read,
write, and send email; and (v) the ability to use hyperlinks to access other
Web sites (collectively referred to as the "Technical Requirements").
You must have the Technical Requirements to download, display, print, and
retain Insurance Policy Documents in Adobe Portable Display Format. Once you
purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe
Portable Display Format. If you do not have the Technical Requirements, you
cannot receive Insurance Policy Documents electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to
receive calls and text messages on your cellular telephone, and on any other
device on which you may receive calls or text messages, from Esurance, its
agents, affiliates and service providers that are placed using an automatic
telephone dialing system or using artificial or prerecorded voice messages
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com and
log in to your account with the email address and password you provided when
you created or updated your account. Your Insurance Policy Documents will be
accessible through your online account. To print any of your Insurance Policy
Documents from your online account, click the "print" button located
on the page or in your browser frame. To download and save any of your
Insurance Policy Documents to your computer, open the insurance policy document
by clicking on its hyperlink or icon and follow Adobe Reader's directions for
downloading and saving documents.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business
electronically, then by accepting our renewal offer, you: (i) agree to continue
to transact business electronically through our Web site and by email to, among
other things, make payments, receive Insurance Policy Documents, renew and
terminate your Policy, and send to us and receive from us communications related
to your Policy; (ii) unless otherwise indicated, agree to accept all Insurance
Policy Documents electronically in lieu of delivery by U.S. Mail or other
physical delivery method; provided, however, that, as required by law, we will
deliver certain Insurance Policy Documents, such as termination notices, in
paper format via U.S. Mail; and (iii) acknowledge that you have read the
disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously
chosen to transact business by non-electronic means by receiving Insurance
Policy Documents in paper format and by calling Esurance at 1-800-ESURANCE
(1-800-378-7262) to make any changes or updates regarding your Policy then that
choice will remain in effect until you agree to transact business
electronically.
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Washington
Terms & Conditions
We greatly appreciate your business. Please read this Terms and Conditions Agreement
(this "Agreement") carefully.
As used in this Agreement, "we," "us," and "our"
refer to Esurance Insurance Company. "You" and "your" refer
to the named insured(s) identified in the Declarations Page ("Declarations
Page"), and any spouse or registered domestic partner of the named insured
who resides in the same household. "Insurance Policy Documents" collectively
refers to your original application, this Agreement, and all forms, endorsements,
and notices issued to you by us, including any electronic communications.
Declaration Statements
By accepting our renewal offer, you: (i) agree to all of the terms and conditions
contained herein; (ii) declare that your Declarations Page is accurate and reflects
your desired coverage selections and coverage limits; (iii) declare that you have
listed all drivers in your household, including any regular or frequent operators
of the vehicle(s) listed in the Declarations Page; (iv) declare that you have described
any business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your payment; and (vi) acknowledge that your insurance policy ("Policy")
may be cancelled or rescinded and a claim may be denied if, on the Application,
you or someone on your behalf intentionally conceals or misrepresents a material
fact or circumstance relating to this insurance.
Disclosure of Fees
Installment Fee
You may be charged an Installment Fee, as allowed by your state, if you elect
to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification Service Fee of
$3.00 for each financed or leased vehicle listed on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each payment that is not received
by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each driver who requires
a proof of financial responsibility filing.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper copies
of Insurance Policy Documents that we would otherwise provide to you electronically.
The current Paper Documents Fee in Washington is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
Cancellation for non-payment
of premium
To keep your Policy current and avoid cancellation, your payment must be received
by its due date. We do not accept partial payments of the invoiced amount. If your
full payment for the invoiced amount is not received by the due date, a Late Payment
Fee will be charged to your account. Any unpaid premium may result in the cancellation
of your Policy, in which case a cancellation notice will be mailed to the address
shown on your Policy.
Notice of Insurance Practices
and Use of Consumer Reports
Personal information about you may be collected from persons other than you. Such
information, as well as other personal and privileged information collected by us
or our agents, may, in certain circumstances and as permitted by law, be disclosed
to third parties. You have the right to review your personal information in our
files and request the correction of any inaccuracies. More information about your
rights and our practices regarding your personal information is available upon request.
Please contact us for more information.
In order to evaluate your eligibility for insurance coverage with us and to determine
the correct premium to charge you, we order one or more reports provided by independent
consumer reporting agencies. These reports are necessary to verify information that
you have provided us. Examples of reports include, but are not limited to, a Motor
Vehicle Report (MVR), an insurance claim history report, and, where allowed by law,
an insurance score based on information contained in your credit report. We may
use a third party in connection with the development of your insurance score. All
reports are impartial statements of fact and are kept strictly confidential. The
information we obtain will be used only for business purposes and to ensure that
each applicant is evaluated fairly. Future reports may also be used for an update,
renewal, extension, cancellation, or non-renewal of your insurance coverage. Upon
request, we will provide you with the name, address, and telephone number of any
consumer reporting agency that furnishes us with your report.
We will review your credit history when we are legally required to do so, or you
may request a review once for every six-month policy term. Any adjustment in premium
made pursuant to a change in your credit history will be reflected on your next
renewal offer.
Fraudulent Information Statement
It is a crime to knowingly provide false, incomplete, or misleading information
to an insurance company for the purpose of defrauding the company. Penalties include
imprisonment, fines, and denial of insurance benefits.
Updating Your Contact Information
You must notify us of any changes to your email address, mailing address, or telephone
number by updating your online account with your new contact information, calling
our customer service center at 1-800-ESURANCE (1-800-378-7262), or by sending an
email to support@csr.esurance.com.
Electronic Documents
The Electronic Signatures in Global and National Commerce Act of 2000 requires
us to ask you for your consent to electronic transactions, including providing you
with Insurance Policy Documents electronically. If you have provided this consent
to us previously, and have not withdrawn such consent, you will continue to receive
all of your Insurance Policy Documents from us electronically, as permitted by law.
Insurance Policy Documents in electronic format will have the same contractual force
and effect as Insurance Policy Documents in paper format.
Paper Documents
If you consent to electronic transactions, including receiving Insurance Policy
Documents electronically, you may withdraw your consent at any time and begin receiving
Insurance Policy Documents in paper format. In addition, you may request paper copies
of your electronic Insurance Policy Documents at any time. However, the Paper Documents
Fee set forth in the "Disclosure of Fees" section above may apply if you:
(i) withdraw your consent to electronic transactions, including receiving Insurance
Policy Documents electronically; or (ii) request to receive paper copies of your
electronic Insurance Policy Documents. If you elect to receive paper copies of Insurance
Policy Documents, you may, at any time, request and consent to electronic transactions,
including receiving Insurance Policy Documents electronically. Please call us at
1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
CELL PHONE POLICY
You agree that you are providing your express consent to receive calls
and text messages on your cellular telephone, and on any other device on which you
may receive calls or text messages, from Esurance, its agents, affiliates and service
providers that are placed using an automatic telephone dialing system or using artificial
or prerecorded voice messages.
Technical Requirements for
Electronic Delivery
Please be aware that, in order to access Insurance Policy Documents electronically,
you must have: (i) a computer capable of connecting to the Internet; (ii) an Internet
Service Provider; (iii) a browser capable of viewing our Web site; (iv) an email
service account that allows you to read, write, and send email; and (v) the ability
to use hyperlinks to access other Web sites (collectively referred to as the "Technical
Requirements"). You must have the Technical Requirements to download, display,
print, and retain Insurance Policy Documents in Adobe Portable Display Format. Once
you purchase your Policy, you will be given the opportunity to download a free copy
of Adobe Reader so that you can view Insurance Policy Documents in Adobe Portable
Display Format. If you do not have the Technical Requirements, you cannot receive
Insurance Policy Documents electronically.
Accessing Your Online Account
To access your online account, go to www.esurance.com
and log in to your account with the email address and password you provided when
you created or updated your account.
Your Insurance Policy Documents will be accessible through your online
account. To print any of your Insurance Policy Documents from your online account,
click the "print" button located on the page or in your browser frame.
To download and save any of your Insurance Policy Documents to your computer, open
the insurance policy document by clicking on its hyperlink or icon and follow Adobe
Reader’s directions for downloading and saving documents.
Consent to Transact Business
Electronically
If you have previously agreed to transact business electronically, then by accepting
our renewal offer, you: (i) agree to continue to transact business electronically
through our Web site and by email to, among other things, make payments, receive
Insurance Policy Documents, renew and terminate your Policy, and send to us and
receive from us communications related to your Policy; (ii) unless otherwise indicated,
agree to accept all Insurance Policy Documents electronically in lieu of delivery
by U.S. Mail or other physical delivery method; provided, however, that, as required
by law, we will deliver certain Insurance Policy Documents, such as termination
notices, in paper format via U.S. Mail; and (iii) acknowledge that you have read
the disclosure regarding the use of electronic records and signatures in connection
with your online account as provided on our Web site. If you have previously
chosen to transact business by non-electronic means by receiving Insurance Policy
Documents in paper format and by calling Esurance at 1-800-ESURANCE (1-800-378-7262)
to make any changes or updates regarding your Policy then that choice will remain
in effect until you agree to transact business electronically.
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We greatly appreciate your business. Please read
this Terms and Conditions Agreement (this “Agreement”) carefully.
As used in this Agreement, “we,” “us,” and “our”
refer to Esurance Insurance Services, Inc., doing business as Esurance
or Esurance Insurance Agency Services. “You” and “your” refer to the
named insured(s) identified in the Declarations Page (“Declarations Page”),
and any spouse of the named insured who resides in the same household.
“Insurance Policy Documents” collectively refers to your original application,
this Agreement, and all forms, endorsements, and notices issued to you by us,
including any electronic communications.
DECLARATION STATEMENTS
By accepting our renewal offer, you: (i) agree to all
of the terms and conditions contained herein; (ii) declare that your
Declarations Page is accurate and reflects your desired coverage selections
and coverage limits; (iii) declare that you have listed all drivers in your
household, including any regular or frequent operators of the vehicle(s)
listed in the Declarations Page; (iv) declare that you have described any
business or commercial use of your vehicle(s); and (v) agree that no coverage
will be bound if your financial institution does not honor, or we do not receive,
your payment.
DISCLOSURE OF FEES
Installment Fee
You may be charged an Installment Fee, as allowed by your
state, if you elect to pay your premium in installments.
Finance Company Notification Service Fee
You may be charged a nonrefundable Finance Company Notification
Service Fee of $3.00 for each financed or leased vehicle listed
on the Declarations Page.
Late Payment Fee
You may be charged a Late Payment Fee of $15.00 for each
payment that is not received by the payment due date.
Driver Filing Fee
You may be charged a Driver Filing Fee of $25.00 for each
driver who requires a proof of financial responsibility filing.
Cancellation Fee
You may be charged a Cancellation Fee of $50.00 if you cancel your Policy
for any reason or if we cancel your Policy due to your failure to pay any
premium when due.
Paper Documents Fee
You may be charged a Paper Documents Fee for electing to receive paper
copies of Insurance Policy Documents that we would otherwise provide to
you electronically. The current Paper Documents Fee in Wisconsin is $25.00.
State-Required Fees
You will be charged for fees as required by your state.
CANCELLATION FOR NON-PAYMENT OF PREMIUM
To keep your Policy current and avoid cancellation,
your payment must be received by its due date. We do not accept partial
payments of the invoiced amount. If your full payment for the invoiced amount
is not received by the due date, a Late Payment Fee will be charged to your
account. Any unpaid premium may result in the cancellation of your Policy.
If a cancellation notice is generated, you will be charged a Cancellation Fee
and a cancellation notice will be mailed to the address shown on your Policy.
NOTICE OF INSURANCE PRACTICES AND USE OF CONSUMER REPORTS
Personal information about you may be collected from persons
other than you. Such information, as well as other personal and privileged
information collected by us or our agents, may, in certain circumstances and as
permitted by law, be disclosed to third parties. You have the right to review your
personal information in our files and request the correction of any inaccuracies.
More information about your rights and our practices regarding your personal
information is available upon request. Please contact us for more information.
In order to evaluate your eligibility for insurance coverage
with us and to determine the correct premium to charge you, we order one or more
reports provided by independent consumer reporting agencies. These reports are
necessary to verify information that you have provided us. Examples of reports
include, but are not limited to, a Motor Vehicle Report (MVR), an insurance claim
history report, and, where allowed by law, an insurance score based on information
contained in your credit report. We may use a third party in connection with the
development of your insurance score. All reports are impartial statements of fact
and are kept strictly confidential. The information we obtain will be used only for
business purposes and to ensure that each applicant is evaluated fairly. Future
reports may also be used for an update, renewal, extension, cancellation, or
non-renewal of your insurance coverage. Upon request, we will provide you with the
name, address, and telephone number of any consumer reporting agency that furnishes
us with your report.
We will review your credit history when we are legally required
to do so, or you may request a review once for every six-month policy term. Any
adjustment in premium made pursuant to a change in your credit history will be
reflected on your next renewal offer.
FRAUDULENT INFORMATION STATEMENT
It is a crime to knowingly provide false, incomplete, or
misleading information to an insurance company for the purpose of defrauding the
company. Penalties include imprisonment, fines, and denial of insurance benefits.
RELEASE OF INFORMATION CONTAINED IN DEVICES
If your insured vehicle is equipped with an Event Data
Recorder, mileage verification device, or any similar device capable of providing
information relevant to the rating of your Policy or settlement of a claim, you
hereby consent to the release of information from that device to us and to any
persons or entities working with us, subject to any applicable state law. You also
agree to fully cooperate with us when dealing with any third party to facilitate the
timely release of information contained on the device to us.
UPDATING YOUR CONTACT INFORMATION
You must notify us of any changes to your email address,
mailing address, or telephone number by updating your online account with your
new contact information, calling our customer service center at 1-800-ESURANCE
(1-800-378-7262), or by sending an email to support@csr.esurance.com.
ELECTRONIC DOCUMENTS
The Electronic Signatures in Global and National Commerce
Act of 2000 requires us to ask you for your consent to electronic transactions,
including providing you with Insurance Policy Documents electronically. If you
have provided this consent to us previously, and have not withdrawn such consent,
you will continue to receive all of your Insurance Policy Documents from us
electronically, as permitted by law. Insurance Policy Documents in electronic
format will have the same contractual force and effect as Insurance Policy
Documents in paper format.
PAPER DOCUMENTS
If you consent to electronic transactions, including receiving
Insurance Policy Documents electronically, you may withdraw your consent at any time
and begin receiving Insurance Policy Documents in paper format. In addition, you may
request paper copies of your electronic Insurance Policy Documents at any time. However,
the Paper Documents Fee set forth in the “Disclosure of Fees” section above may apply
if you: (i) withdraw your consent to electronic transactions, including receiving
Insurance Policy Documents electronically; or (ii) request to receive paper copies of
your electronic Insurance Policy Documents. If you elect to receive paper copies of
Insurance Policy Documents, you may, at any time, request and consent to electronic
transactions, including receiving Insurance Policy Documents electronically. Please
call us at 1-800-ESURANCE (1-800-378-7262) for any such withdrawals or requests.
TECHNICAL REQUIREMENTS FOR ELECTRONIC DELIVERY
Please be aware that, in order to access Insurance Policy
Documents electronically, you must have: (i) a computer capable of connecting to
the Internet; (ii) an Internet Service Provider; (iii) a browser capable of viewing
our Web site; (iv) an email service account that allows you to read, write, and
send email; and (v) the ability to use hyperlinks to access other Web sites
(collectively referred to as the “Technical Requirements”). You must have the
Technical Requirements to download, display, print, and retain Insurance Policy
Documents in Adobe Portable Display Format. Once you purchase your Policy, you
will be given the opportunity to download a free copy of Adobe Reader so that you
can view Insurance Policy Documents in Adobe Portable Display Format. If you do
not have the Technical Requirements, you cannot receive Insurance Policy Documents
electronically.
CELL PHONE POLICY
You agree that you are providing your express consent to
receive calls and text messages on your cellular telephone, and on any other
device on which you may receive calls or text messages, from Esurance, its agents,
affiliates and service providers that are placed using an automatic telephone
dialing system or using artificial or prerecorded voice messages.
ACCESSING YOUR ONLINE ACCOUNT
To access your online account, go to www.esurance.com and log in to your account with the email address
and password you provided when you created or updated your account. Your Insurance
Policy Documents will be accessible through your online account. To print any
of your Insurance Policy Documents from your online account, click the “print”
button located on the page or in your browser frame. To download and save any
of your Insurance Policy Documents to your computer, open the insurance policy
document by clicking on its hyperlink or icon and follow Adobe Reader’s directions
for downloading and saving documents.
CONSENT TO TRANSACT BUSINESS ELECTRONICALLY
If you have previously agreed to transact business electronically,
then by accepting our renewal offer, you: (i) agree to continue to transact business
electronically through our Web site and by email to, among other things, make payments,
receive Insurance Policy Documents, renew and terminate your Policy, and send to us
and receive from us communications related to your Policy; (ii) unless otherwise
indicated, agree to accept all Insurance Policy Documents electronically in lieu of
delivery by U.S. Mail or other physical delivery method; provided, however, that, as
required by law, we will deliver certain Insurance Policy Documents, such as
termination notices, in paper format via U.S. Mail; and (iii) acknowledge that you
have read the disclosure regarding the use of electronic records and signatures in
connection with your online account as provided on our Web site. If you have
previously chosen to transact business by non-electronic means by receiving Insurance
Policy Documents in paper format and by calling Esurance at 1-800-ESURANCE
(1-800-378-7262) to make any changes or updates regarding your Policy then that
choice will remain in effect until you agree to transact business electronically.
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 | Copyright © 2013 Esurance Insurance Services, Inc. All rights reserved. |
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