Terms and Conditions
These Terms and Conditions explain the rules that apply when you use LoyaInsurance.org. By accessing or using this website, you agree to these terms. If you do not agree, please do not use the site.
Important independence notice: LoyaInsurance.org is an independent informational website. We are not Fred Loya Insurance, Loya Insurance Group, a Fred Loya agency, or an official website of any insurance carrier, agency, broker, or underwriter. Any names, brands, trademarks, or company references mentioned on this website belong to their respective owners and are used for identification, comparison, or educational purposes only.
1. Informational Website Only
LoyaInsurance.org publishes educational content about auto insurance topics, insurance companies, coverage concepts, pricing factors, claims-related questions, and consumer comparison topics.
The website is maintained by an 8-person editorial and operations team that works across insurance-related informational websites. Our content is intended to help readers understand insurance topics, not to replace advice from a licensed professional.
2. No Insurance Services
We are not an insurance company, insurance agency, insurance broker, carrier, underwriter, claims administrator, or roadside assistance provider.
We do not sell, underwrite, bind, issue, cancel, renew, modify, or service insurance policies. We also do not process claims, accept premium payments, make coverage decisions, or guarantee that any user will qualify for insurance.
3. Quotes, Forms, and Third-Party Providers
Some pages may include quote buttons, forms, phone numbers, comparison tools, advertisements, or links that connect users with third-party insurance providers, marketplaces, lead vendors, or comparison services.
Any quote, estimate, policy offer, rate, discount, coverage option, or approval decision is provided by the third party, not by LoyaInsurance.org. Submitting information through a third-party form does not guarantee coverage, a specific price, or acceptance by any insurer.
4. Third-Party Websites and Redirects
This website may link or redirect to external websites that we do not own or control. Those third-party websites may have their own terms, privacy policies, data practices, quote rules, eligibility requirements, and marketing practices.
We are not responsible for third-party content, pricing, availability, calls, emails, text messages, privacy practices, customer service, claims handling, or policy decisions. You should review the terms and privacy policy of any third-party website before submitting personal information.
5. Affiliate and Advertising Disclosure
LoyaInsurance.org may receive compensation from advertisers, affiliate partners, lead-generation partners, comparison platforms, or other third parties when users click links, request quotes, call listed numbers, submit forms, or purchase products or services through external providers.
Compensation may influence which links, partners, offers, or calls to action appear on the website. However, compensation does not mean a provider is the best, cheapest, or most appropriate option for every reader.
6. No Professional Advice
Content on this website is provided for general informational purposes only. It should not be treated as legal, financial, tax, insurance, underwriting, or claims advice.
Before making insurance decisions, you should review official policy documents, carrier disclosures, state requirements, and speak with a licensed insurance professional when needed.
7. Accuracy and Updates
We work to keep our content useful, clear, and reasonably current, but insurance information can change quickly. Rates, discounts, coverage options, underwriting rules, fees, state requirements, company details, and product availability may change without notice.
We do not guarantee that all information on the website is complete, accurate, current, or error-free. If you notice information that may be outdated or incorrect, please contact us through our contact page.
8. Editorial Independence and Company References
We may write about insurance companies, agencies, brands, products, or services for informational, comparison, or review purposes. A company mention does not mean that the company sponsors, endorses, owns, operates, or approves this website.
All trademarks, logos, brand names, and company names are the property of their respective owners. We do not claim ownership of third-party marks.
9. User Responsibilities
- Use this website only for lawful purposes.
- Do not attempt to damage, disrupt, overload, scrape, hack, or misuse the website.
- Do not submit false, misleading, fraudulent, harmful, or unauthorized information.
- Do not use the website to impersonate another person or interfere with another user’s rights.
- Review third-party terms before using external websites, quote forms, or provider services.
10. Intellectual Property
The text, layout, design elements, graphics, formatting, and other website content are owned by LoyaInsurance.org or used with permission, except for third-party names, trademarks, logos, or materials that belong to their respective owners.
You may view and use the website for personal, non-commercial informational purposes. You may not copy, republish, reproduce, sell, or redistribute substantial parts of the website without permission.
11. Website Availability
We may update, remove, edit, suspend, or discontinue any part of the website at any time. We do not guarantee that the website will always be available, secure, uninterrupted, or free from technical errors.
We are not responsible for losses caused by website downtime, technical issues, external links, plugin errors, browser issues, or third-party service interruptions.
12. Limitation of Liability
To the fullest extent permitted by law, LoyaInsurance.org and its team are not liable for direct, indirect, incidental, consequential, special, punitive, or other damages arising from your use of the website, reliance on website content, or interaction with third-party providers.
This includes, but is not limited to, decisions about insurance coverage, quote results, premiums, claims, policy cancellations, provider communications, or external website activity.
13. Indemnification
You agree to hold harmless LoyaInsurance.org, its editorial and operations team, and any related website operators from claims, losses, liabilities, costs, or expenses arising from your misuse of the website, violation of these terms, or violation of any law or third-party right.
14. Privacy
Your use of this website is also governed by our Privacy Policy, which explains how information may be collected, used, shared, and handled when you visit the website or interact with third-party tools.
15. Changes to These Terms
We may update these Terms and Conditions from time to time. When updates are made, we may revise the effective date shown on this page.
Your continued use of LoyaInsurance.org after updated terms are posted means you accept the revised terms.
16. Contact
For website questions, privacy requests, editorial corrections, or general inquiries, please contact us through our contact page.
Questions About These Terms?
These Terms apply only to your use of LoyaInsurance.org. If your question is about an existing insurance policy, bill, claim, cancellation, refund, ID card, or roadside assistance request, contact the insurer, agency, or provider listed on your official policy documents.
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