We greatly appreciate your business. Please read this Agreement carefully.
As used in this Terms and Conditions Agreement (“Agreement”), “we,” “us,” and “our” refer to
Esurance Property and Casualty Insurance Company (herein referred to as "Esurance").
“You” and “your” refer to the named insured(s) identified in the application for insurance (“Application”),
and any spouse or registered domestic partner 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, which we are required by law to provide you in writing.
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, coverage will not continue if your financial institution does not honor,
or we do not receive your premium 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.
Driving Device Restocking Fee
You may be charged a Driving Device Restocking Fee of $100.00 for each unreturned Device.
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.
Financial Responsibility 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.
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 Cancellation Fee and 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
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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.
We will review your credit history when we are legally required to do so, or you may request a review once each year.
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
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:
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LexisNexis Consumer Service Center
P.O. Box 105108
Atlanta, GA 30346-5108
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.
Extra Ordinary 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.
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 Georgia.
Electronic Transactions Agreement
Esurance is an online company and we generally conduct business through our Web site and via email.
We will, from time to time, send information electronically and post documents to customers' online accounts.
Although we primarily conduct business electronically, Esurance is required by law to provide you with certain
information in writing; however, with your consent we can provide information and documents to you electronically
instead, including your Insurance Policy Documents. If you consent, you will receive all of your Insurance
Policy Documents from us electronically, to the extent permitted by law. Insurance Policy Documents in electronic
format will have the same contractual force and effect as Insurance Policy Documents in paper format. We reserve
the right, in our sole discretion, to provide any Insurance Policy Document to you in paper form instead.
If you consented to 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
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 receiving Insurance Policy Documents electronically. Please call us at
1-800-ESURANCE (1-800-378-7262) for any such withdrawals
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or requests, as well as to change the email address or other contact information that Esurance has on file for you.
If you consent to receive 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; (v) an active email address, and (vi) 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.
If you previously consented to receive electronic documents, by renewing your policy you are confirming that you:
(i) agree to use email or your online account to make payments, changes, renew your Policy, and send to us and
receive from us communications related to your Policy; (ii) 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 if you electronically
signed the Application, that your electronic signature, 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) have the Technical Requirements described above, if you elected to receive
If you previously requested to receive documents in paper format, by renewing your policy you are confirming that you:
(i) understand that you will have to call Esurance at 1-800-ESURANCE (1-800-378-7262) to make any changes or updates
regarding your Policy; (ii) understand and acknowledge that you will be charged a Paper Documents Fee, as disclosed in
the Disclosure of Fees section of this Agreement; and (iii) acknowledge that you have the option of electing to receive
documents electronically as specified in the Electronic Transactions Agreement above.
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
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
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 firstname.lastname@example.org.
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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.
I understand that my acceptance and payment of the renewal means that I have read, and agree to the Renewal Terms &
practices and use of consumer reports in regard to my policy have been provided to me.
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