Terms of Services

01.Acceptance Of These Terms

Using this site, submitting a form or requesting a quote means these terms apply in full. Anyone who does not agree with them should stop using the site.

Where a separate policy document is issued by an insurance carrier, that document governs the cover itself and these terms govern the use of this site.

02.What This Site Provides

ErvinMotor provides auto insurance guidance, quote preparation and coverage comparison for personal vehicles. The site itself is not an insurance carrier and does not underwrite policies.

Information published here explains how coverage generally works. It is not legal advice and does not replace the wording of an issued policy.

03.Eligibility

Forms on this site are intended for United States residents who are at least eighteen years of age and legally able to enter a contract.

Submissions made on behalf of another person require that person's permission before their details are entered.

04.Accurate Information

Quotes depend entirely on the accuracy of what is submitted. Vehicle details, mileage, parking address, driving history and the list of named drivers all shape the price and the terms offered.

Inaccurate or incomplete details can void a quote, alter the final premium or affect how a claim is treated later by the carrier.

05.Quotes And Coverage Decisions

A quote is an estimate based on the information available at that moment. It is not a binding offer of insurance.

• Final pricing and acceptance rest with the insurance carrier after its own review.
• Coverage begins only once a carrier confirms it in writing and any required payment is made.
• Quotes can expire or change when underwriting rules, vehicle details or driver records change.

06.Electronic Communications

Submitting a form counts as agreement to receive communications electronically, including email and text messages tied to the request that was made.

Marketing messages are only sent where the matching consent has been given, and can be stopped by replying STOP. Standard message and data rates may apply, and frequency may vary.

07.Acceptable Use

The site may be used for genuine insurance enquiries only.

• Do not submit false details or another person's information without permission.
• Do not attempt to interfere with the site, its security or its underlying systems.
• Do not scrape, copy or republish site content for commercial use.
• Do not use the site in a way that breaks any applicable law or regulation.

08.Site Content And Ownership

Text, layout, graphics and code on this site belong to ErvinMotor and are protected by copyright and trademark law. Nothing here transfers ownership or grants a licence to reuse that material.

09.Links To Other Sites

Links to carriers, regulators or reference material are provided for convenience. Their content and their terms are their own responsibility, and no endorsement is implied by a link.

10.Disclaimer Of Warranties

This site is provided on an as is basis. No promise is made that it will be uninterrupted, error free, or suitable for a particular purpose.

Coverage descriptions are summaries. The issued policy document is the only place where the exact terms of any cover can be confirmed.

11.Limitation Of Liability

To the fullest extent permitted by law, liability is excluded for indirect, incidental or consequential losses arising from use of this site or from reliance on information published on it.

Nothing in these terms limits any liability that cannot lawfully be limited.

12.Arbitration Agreement

Any dispute connected to this site or to the services described on it is resolved by binding individual arbitration rather than in court, except where a claim qualifies for a small claims process.

Arbitration takes place under the rules of a recognised arbitration provider and is conducted on an individual basis. Class actions, class arbitrations and representative proceedings are waived by both sides.

Anyone who prefers not to be bound by this clause may opt out by sending written notice within thirty days of first using the site.

13.Governing Law

These terms are governed by the laws of the state of Maryland, without regard to conflict of law principles. Where a clause is found unenforceable, the remaining clauses continue to apply.

14.Updates To These Terms

These terms may be revised as services or legal requirements change, and the effective date above always shows the version in force. Continued use of the site after a revision means the updated terms apply.

15.Contact About These Terms

Questions about these terms can be sent using the details below.

Phone: +1 (410) 339-0942
Email: ervin-foster@ervinmotor.com