Terms and Conditions

Welcome to INSURED ME DIRECT!

Cookies:

The website uses cookies to help personalize your online experience. By accessing INSURED ME DIRECT, you agreed to use the required cookies.

A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

We may use cookies to collect, store, and track information for statistical or marketing purposes to operate our website. You have the ability to accept or decline optional Cookies. There are some required Cookies that are necessary for the operation of our website. These cookies do not require your consent as they always work. Please keep in mind that by accepting required Cookies, you also accept third-party Cookies, which might be used via third-party provided services if you use such services on our website, for example, a video display window provided by third parties and integrated into our website.

License:

Unless otherwise stated, Terms and/or its licensors own the intellectual property rights for all material on INSURED ME DIRECT. All intellectual property rights are reserved. You may access this from INSURED ME DIRECT for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

• Copy or republish material from INSURED ME DIRECT

• Sell, rent, or sub-license material from INSURED ME DIRECT

• Reproduce, duplicate or copy material from INSURED ME DIRECT

• Redistribute content from INSURED ME DIRECT

This Agreement shall begin on the date hereof.

Parts of this website offer users an opportunity to post and exchange opinions and information in certain areas of the website. Terms does not filter, edit, publish or review Comments before their presence on the website. Comments do not reflect the views and opinions of Terms, its agents, and/or affiliates. Comments reflect the views and opinions of the person who posts their views and opinions. To the extent permitted by applicable laws, Terms shall not be liable for the Comments or any liability, damages, or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

Terms reserves the right to monitor all Comments and remove any Comments that can be considered inappropriate, offensive, or causes breach of these Terms and Conditions.

You warrant and represent that:

• You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;

• The Comments do not invade any intellectual property right, including without limitation copyright, patent, or trademark of any third party;

• The Comments do not contain any defamatory, libelous, offensive, indecent, or otherwise unlawful material, which is an invasion of privacy.

• The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant Terms a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats, or media.

Hyperlinking to our Content:

The following organizations may link to our Website without prior written approval:

• Government agencies;

• Search engines;

• News organizations;

• Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and

• System-wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications, or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party's site.

We may consider and approve other link requests from the following types of organizations:

• Commonly-known consumer and/or business information sources;

• Dot.com community sites;

• Associations or other groups representing charities;

• Online directory distributors;

• Internet portals;

• Accounting, law, and consulting firms; and

• Educational institutions and trade associations.

We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of Terms; and (d) the link is in the context of general resource information.

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products or services; and (c) fits within the context of the linking party's site.

If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to Terms. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved organizations may hyperlink to our Website as follows:

• By use of our corporate name; or

• By use of the uniform resource locator being linked to; or

• Using any other description of our Website being linked to that makes sense within the context and format of content on the linking party's site.

No use of Terms's logo or other artwork will be allowed for linking absent a trademark license agreement.

Content Liability:

We shall not be held responsible for any content that appears on your Website. You agree to protect and defend us against all claims that are raised on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene, or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Reservation of Rights:

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website:

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us at any moment. We will consider requests to remove links, but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct. We do not warrant its completeness or accuracy, nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

Disclaimer:

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

• Limit or exclude our or your liability for death or personal injury;

• Limit or exclude our or your liability for fraud or fraudulent misrepresentation;

• Limit any of our or your liabilities in any way that is not permitted under applicable law; or

• Exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort, and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Terms & Conditions

Last Updated: 01/01/2026

Welcome to Insured Me Direct. By accessing or using this website, you agree to be bound by the following Terms and Conditions. If you do not agree with these terms, please do not use this website.

1. Use of Website

This website is provided for general informational purposes only. You may use this site solely for lawful purposes related to learning about insurance products, requesting quotes, submitting information, or contacting Insured Me Direct.

You agree not to:

• Use the website for unlawful or fraudulent purposes

• Attempt to gain unauthorized access to any system or data

• Interfere with the operation or security of the website

2. No Guarantee of Coverage or Rates

Information provided on this website does not constitute an offer to bind insurance coverage. All insurance products are subject to underwriting approval, carrier acceptance, policy terms, conditions, exclusions, and limitations.

Rates, coverages, and eligibility are not guaranteed and may change at any time.

3. Quotes & Applications

Insurance quotes provided through this website are estimates only and are based on the information submitted. Final pricing and coverage are determined solely by the insurance carrier after review and underwriting.

Submitting information through this website does not guarantee that coverage will be issued.

4. Claims Reporting

Claims may be submitted through this website as a convenience. However, claims are handled and decided by the insurance carrier, not Insured Me Direct. Submitting a claim request does not guarantee coverage or claim approval.

Clients may also report claims directly to their insurance carrier at any time.

5. Federal & State Filings (Commercial Insurance)

For commercial trucking and other regulated policies, required federal or state filings are completed by the insurance carrier once a policy is issued and filings are requested. Filing approval is subject to regulatory agency processing and acceptance.

Insured Me Direct does not control government agency timelines or approvals.

6. No Legal or Tax Advice

Insured Me Direct does not provide legal, tax, or accounting advice. Any information provided on this website should not be relied upon as a substitute for professional advice.

7. Third-Party Links

This website may contain links to third-party websites, including insurance carriers. Insured Me Direct is not responsible for the content, accuracy, or privacy practices of third-party sites.

8. Limitation of Liability

To the fullest extent permitted by law, Insured Me Direct shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of this website or reliance on its content.

9. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

10. Modifications

Insured Me Direct reserves the right to modify or update these Terms & Conditions at any time without prior notice. Continued use of the website constitutes acceptance of any changes.

11. Governing Law

These Terms & Conditions are governed by the laws of the state in which Insured Me Direct operates, without regard to conflict-of-law principles.

12. Contact Information

If you have questions regarding these Terms & Conditions, please contact:

Insured Me Direct
info@insuredmedirect.com
423-200-0183