Terms and Conditions

Welcome to Lew Phillips Agency. By accessing our website or using our auto insurance services, you agree to be bound by these Terms and Conditions. Please read them carefully. If you do not agree with any part of these terms, you should not use our website or services.

Acceptance of Terms

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy. These terms apply to all visitors, users, and others who access or use our services.

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of our services after any modifications indicates your acceptance of the updated terms.

Use of Website

You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website. Prohibited behavior includes:

• Harassing or causing distress or inconvenience to any other user
• Transmitting obscene or offensive content
• Disrupting the normal flow of dialogue within our website
• Using the website to transmit or introduce viruses, malware, or other harmful code
• Attempting to gain unauthorized access to any portion of the website or any other systems or networks connected to the website
• Using any automated system or software to extract data from the website for commercial purposes

We reserve the right to terminate or suspend your access to our website and services at any time, without notice, for conduct that we believe violates these terms or is harmful to other users or our business.

Insurance Quotes and Coverage

When you request an auto insurance quote through our website, you agree to provide accurate and complete information. The quotes provided are estimates based on the information you supply and are subject to verification and underwriting approval by the insurance carrier.

• Quotes are not guarantees of coverage or final premium amounts
• Final rates may differ based on additional information obtained during underwriting
• All insurance policies are subject to the terms and conditions of the insurance carrier
• Coverage is not effective until you receive confirmation and your first payment is processed
• We act as an agent for insurance carriers and are authorized to bind coverage on their behalf

By submitting a quote request or application, you authorize us to obtain motor vehicle reports, credit reports, and other information necessary to provide you with insurance quotes and services.

User Responsibilities

When using our website and services, you are responsible for:

• Providing accurate, current, and complete information about yourself and your vehicle
• Maintaining the confidentiality of any login credentials or account information
• Notifying us immediately of any unauthorized use of your account
• Ensuring all information provided in connection with insurance applications is truthful and accurate
• Reviewing all policy documents and disclosures provided to you
• Making timely premium payments to maintain active coverage
• Notifying us of any changes to your contact information or circumstances that may affect your coverage

Limitation of Liability

To the fullest extent permitted by law, Lew Phillips Agency and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses resulting from:

• Your access to or use of or inability to access or use our website or services
• Any conduct or content of any third party on the website
• Any content obtained from the website
• Unauthorized access, use, or alteration of your transmissions or content
• Errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, transmitted, or otherwise made available through the website

Our liability to you for any cause whatsoever shall not exceed the amount of premiums paid by you for insurance services obtained through us during the six months prior to the claim.

The information on our website is provided for general informational purposes only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, complete, or timely sources of information.

Changes to Terms

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. We will indicate the date of the most recent revision at the top of this page. It is your responsibility to review these terms periodically for any changes.

Your continued use of our website and services following the posting of changes constitutes your acceptance of those changes. If you do not agree to the modified terms, you should discontinue your use of our website and services.

For significant changes to these terms, we may provide additional notice, such as by email or through a prominent notice on our website.

Contact Us

If you have any questions or concerns about these Terms and Conditions, please contact us: