Terms and Conditions

Welcome to Cordes Insurance. By accessing our website or purchasing an auto insurance policy through us, you agree to follow these terms and conditions. Please read through this carefully before using our services, as it outlines your rights and responsibilities as well as ours. If you don't agree with any part of these terms, please do not use our website or purchase coverage from us. We reserve the right to update these terms at any time, and changes will take effect as soon as they're posted on our site. It's your responsibility to check back periodically for updates, and continuing to use our services after changes are made means you accept the new terms. When you apply for an auto insurance policy with us, you must provide accurate and complete information about yourself, your vehicle, and your driving history. Any false or misleading details could result in your policy being canceled or claims being denied. We rely on the information you give us to calculate your premium and determine your coverage, so honesty is essential. If your circumstances change during your policy period, such as moving to a new address, buying a different vehicle, or adding another driver to your policy, you must notify us right away so we can adjust your coverage accordingly. Your premium is based on various factors including your age, driving record, location, vehicle type, and coverage limits. Payments must be made on time according to the schedule outlined in your policy documents. If you miss a payment, we'll send you a reminder, but continued non-payment may result in your coverage being suspended or canceled. Once your policy is canceled for non-payment, getting reinstated may require additional fees or proof of continuous coverage. We offer several payment options to make things easier for you, including monthly installments or paying the full amount upfront. Your policy remains active as long as payments are current and you haven't violated any terms that would allow us to cancel your coverage. Our coverage protects you against various risks as outlined in your specific policy documents. It's important to read and understand what's included and what's excluded from your coverage. Standard auto insurance policies typically cover damages from collisions, theft, vandalism, and certain natural disasters, but there are always exceptions and limits. For example, intentional damage, racing, or using your vehicle for commercial purposes without the proper coverage may not be covered. If you need to file a claim, contact us as soon as possible after an incident occurs. You'll need to provide details about what happened, photos of any damage, and a police report if applicable. We'll review your claim and determine whether it's covered under your policy. Processing times vary depending on the complexity of the claim, but we aim to handle everything as quickly and fairly as possible. If your claim is approved, we'll either pay for repairs directly or reimburse you according to the terms of your policy. Keep in mind that you may be responsible for a deductible, which is the amount you pay out of pocket before insurance coverage kicks in. Your deductible amount is listed in your policy documents, and choosing a higher deductible usually results in lower monthly premiums. You can cancel your policy at any time by contacting us and requesting cancellation. Depending on when you cancel and whether you've made any claims, you may be entitled to a refund of any unused premium. However, if you cancel mid-term, there may be administrative fees involved. We may also cancel your policy under certain circumstances, such as non-payment, providing false information during the application process, or engaging in fraudulent activity. If we cancel your policy, we'll notify you in writing and explain the reason for cancellation. Our website is provided for your convenience to obtain quotes, manage your policy, and access information about our services. While we strive to keep the site accurate and up to date, we don't guarantee that all information is error-free or complete at all times. Technical issues or maintenance may occasionally cause the site to be unavailable, and we're not liable for any inconvenience or losses resulting from these interruptions. You agree not to misuse our website by attempting to hack into our systems, uploading harmful software, or using automated tools to scrape data without permission. Any unauthorized access or misuse of our website may result in legal action. All content on our website, including text, images, logos, and graphics, is protected by copyright and other intellectual property laws. You may view and print content for your personal use, but you cannot reproduce, distribute, or modify any materials without our written consent. Using our trademarks or branding without permission is strictly prohibited. We may share your personal information with third-party service providers who help us operate our business, such as payment processors, claims adjusters, and IT support teams. These partners are required to keep your information confidential and use it only for the purposes we specify.

For more details on how we handle your data, please review our privacy policy. These terms are governed by the laws of the state where you reside, and any disputes arising from these terms or your use of our services will be resolved through binding arbitration rather than court proceedings. By agreeing to these terms, you waive your right to participate in class action lawsuits related to our services. If any part of these terms is found to be unenforceable, the remaining provisions will continue to apply. Our failure to enforce any provision of these terms doesn't mean we're waiving our right to enforce it later. If you have questions or concerns about these terms, feel free to contact us at [email protected] or call us at +1 (833) 828-1297. We're happy to clarify anything that's unclear and help you understand your obligations and rights under this agreement.