Terms of Service
The terms that govern your use of this website, including what a quote request does and does not do.
Draft Document — Not Yet Final
This page is a working draft of our Terms of Service. It is pending completion of the highlighted, bracketed fields throughout this page (including our legal entity name, mailing address, licensed states, National Producer Number, governing law state, venue, and effective date), a decision on whether to adopt the optional arbitration clause in Section 15, and review by insurance counsel licensed in our states of operation. Please do not rely on this page as a complete or final statement of our terms until those items are completed and this notice is removed.
Questions in the meantime can be sent to Info@musclecarinsurance.com or 844-967-5247.
Effective Date: [EFFECTIVE DATE — to be completed]
Last Updated: [LAST UPDATED DATE — to be completed] — Last researched: August 2026.
Live Regulatory Area — Re-check Before Relying On This Page
Section 7 references the current list of states with comprehensive consumer privacy laws and applies generally to how our licensing and service area is described. State privacy law and insurance-licensing footprints change; the licensed-states list and governing-law selections on this page should be re-verified before this page is treated as final.
These Terms of Service ("Terms") govern your use of musclecarinsurance.com (the "Site"), operated by [LEGAL ENTITY NAME — to be completed] ("we," "us," "our," or the "Agency"). By using the Site, requesting a quote, or otherwise interacting with us through the Site, you agree to these Terms. If you do not agree, do not use the Site.
1. Who We Are
[LEGAL ENTITY NAME — to be completed] is an independent insurance agency specializing in coverage for collector, muscle, and classic vehicles, placed through third-party insurance carriers. We are not an insurance carrier. We do not underwrite, issue, or guarantee any policy.
2. No Offer or Binding of Coverage
Nothing on this Site constitutes an offer of insurance, an application for insurance, or a binding of coverage.
Submitting the quote form, requesting information by phone or email, or otherwise using the Site does not create, bind, extend, alter, or cancel any insurance coverage. Coverage is bound only when a licensed insurance producer of the Agency has confirmed in writing that coverage has been bound, and even then, coverage is subject to underwriting approval by the applicable carrier and to the terms, conditions, exclusions, and limits set forth in the actual policy documents issued by that carrier.
In the event of any conflict between information on this Site and the terms of an issued policy, the policy controls. Rates, coverage availability, and eligibility described on the Site are general and illustrative; your actual quote, premium, and coverage terms depend on underwriting.
3. Licensing and State Availability
[LEGAL ENTITY NAME — to be completed] is licensed to solicit, negotiate, and place insurance in [LICENSED STATES — to be completed] (NPN [NATIONAL PRODUCER NUMBER (NPN) — to be completed]). We may not be able to place coverage for residents of states in which we are not licensed, and submitting a quote request does not guarantee we can service your state. Coverage availability, carriers, and products vary by state and are subject to change.
4. Not Legal, Financial, or Insurance-Coverage Advice
Content on the Site — including coverage descriptions, FAQs, and educational articles — is provided for general informational purposes only and does not constitute legal, tax, financial, or personalized insurance advice. Your specific coverage needs depend on your individual circumstances; you should discuss your situation directly with a licensed producer before making coverage decisions.
5. Accuracy of Information You Provide
You agree to provide accurate, current, and complete information when requesting a quote or applying for coverage. Insurance contracts are based on the principle of utmost good faith:
A material misrepresentation, omission, or inaccuracy on an insurance application — whether about the vehicle, its use, storage, modifications, your driving history, or any other underwriting fact — can result in a carrier denying a claim, rescinding (voiding) the policy from inception, or canceling coverage, even after a loss has occurred. This consequence arises from insurance law and the terms of the policy itself, independent of these Terms, and can occur even for an unintentional error, so please review any application or binder carefully before it is submitted or confirmed.
6. Quote Requests and Communications
By submitting the quote form, you authorize us to contact you by phone, text message, and/or email regarding your request, as described in our Privacy Policy. Consent-specific requirements for calls, texts, and email are set out in the Privacy Policy and are incorporated here by reference.
7. Electronic Communications and Signatures
You agree that we may deliver quotes, disclosures, binders, ID cards, and other communications electronically (by email or through the Site) rather than on paper, and that your electronic signature or affirmative online action (such as clicking "submit" or "I agree") has the same legal effect as a handwritten signature, to the fullest extent permitted under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state law. You have the right to withdraw consent to electronic delivery and to request a paper copy of any document by contacting us at Info@musclecarinsurance.com; a fee may apply to paper copies in some circumstances. Accessing electronic documents requires a device capable of receiving email and displaying PDF files; if your hardware or software changes such that you can no longer access these documents, please notify us.
8. Intellectual Property
All content on the Site — including text, graphics, logos, and the "Muscle Car Insurance" name and marks — is owned by or licensed to the Agency and is protected by copyright, trademark, and other intellectual property laws. You may view and print Site content for your personal, non-commercial use in evaluating our services. You may not reproduce, distribute, modify, or create derivative works from Site content for any other purpose without our prior written consent.
9. Acceptable Use
You agree not to:
- Use the Site for any unlawful purpose
- Submit false information in a quote request
- Attempt to gain unauthorized access to the Site or its underlying systems
- Interfere with the Site's operation (including through malware, scraping, or excessive automated requests)
- Use the Site to harass, defraud, or impersonate any person
10. Third-Party Links
The Site may link to carrier websites, payment portals, or other third-party resources for your convenience. We do not control and are not responsible for the content, terms, or privacy practices of any third-party site. Your use of a linked site is governed by that site's own terms.
11. Disclaimer of Warranties
The Site and its content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure, or that any rate or coverage information displayed will be accurate or available at the time you apply.
12. Limitation of Liability
To the fullest extent permitted by law, [LEGAL ENTITY NAME — to be completed] and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site, even if we have been advised of the possibility of such damages. Our total liability for any claim arising from your use of the Site will not exceed one hundred dollars ($100). This limitation does not apply to liability that cannot be limited under applicable law, including liability for gross negligence, willful misconduct, or fraud.
Nothing in this section limits any rights or remedies you may have under an actual insurance policy issued to you by a carrier, which are governed by that policy and applicable insurance law, not by these Terms.
13. Indemnification
You agree to indemnify and hold harmless [LEGAL ENTITY NAME — to be completed] from any claims, losses, or expenses (including reasonable attorneys' fees) arising from your violation of these Terms or your misuse of the Site, except to the extent caused by our own negligence or willful misconduct.
14. Governing Law and Venue
These Terms are governed by the laws of the State of [GOVERNING LAW STATE — to be completed], without regard to its conflict-of-laws principles. Any dispute arising from these Terms or your use of the Site that is not subject to Section 15 (if adopted) will be brought exclusively in the state or federal courts located in [VENUE COUNTY/STATE — to be completed], and you consent to personal jurisdiction there.
15. Dispute Resolution — Optional Arbitration Clause
NOT ADOPTED — Business Decision Pending
The clause below is drafted for consideration only. It is not currently part of these Terms and does not bind visitors to the Site unless and until the business owner and counsel decide to adopt it. Arbitration clauses are common on general consumer websites, but for an insurance agency site specifically, this needs to be weighed rather than assumed: it can offer a cheaper, faster, more predictable path for website-use disputes and discourage class actions, but mandatory arbitration paired with a class-action waiver draws regulatory and consumer-advocacy scrutiny, some states restrict or disfavor it in consumer contracts, and it must be presented clearly and conspicuously to be enforceable. If adopted, this clause would apply only to disputes about use of the website — never to insurance coverage or claims disputes with a carrier, which are governed exclusively by the policy itself.
Language under consideration, not in effect:
"Any dispute arising out of or relating to your use of this Site (excluding any dispute regarding an actual insurance policy or claim, which is governed exclusively by that policy) shall be resolved by binding arbitration administered by [ARBITRATION PROVIDER — to be completed] under its consumer arbitration rules, rather than in court, except that either party may bring an individual claim in small claims court. You and the Agency each waive the right to a jury trial and to participate in a class action."
16. Severability
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.
17. Changes to These Terms
We may update these Terms from time to time. The "Last Updated" date above reflects the most recent revision. Continued use of the Site after changes take effect constitutes acceptance of the revised Terms.
18. Contact Us
[LEGAL ENTITY NAME — to be completed]
[MAILING ADDRESS — to be completed]
Phone: 844-967-5247
Email: Info@musclecarinsurance.com
This is a working draft prepared for internal review. It is not a final legal document. It should be reviewed by counsel licensed in [GOVERNING LAW STATE — to be completed] and in each of our licensed states, the arbitration decision in Section 15 should be made deliberately, and all highlighted placeholders above must be completed, before publication. See also our Privacy Policy.