Not an Insurance Carrier
Motorence is an independent insurance agency and lead generation platform. We are NOT an insurance company and do NOT issue insurance policies. We provide a service that connects consumers with licensed insurance carriers and agents who offer insurance products.
Motorence does not underwrite, issue, or bind any insurance policies. All insurance coverage is provided by our partner insurance carriers, who are solely responsible for their products and services.
Quote Accuracy Disclaimer
Insurance quotes provided through our website are estimates based on information you provide. We strive for accuracy, but:
- Quotes are subject to final underwriting approval by the insurance carrier
- Actual premiums may vary from quoted amounts
- Quotes are valid for a limited time and are subject to change
- Coverage options and availability may vary by location and carrier
- Discounts reflected in quotes may require verification by the carrier
The final premium for any policy is determined by the insurance carrier at the time of policy issuance, based on their underwriting guidelines and the information provided.
No Professional Advice
The information provided on this website is for general informational purposes only and should NOT be construed as:
- Professional insurance or financial advice
- A recommendation to purchase any specific insurance product
- Legal, tax, or accounting advice
- An offer to sell or solicit to buy insurance
You should consult with a licensed insurance professional to determine the appropriate coverage for your specific needs. We do not evaluate or recommend any particular insurance carrier or policy.
Information Accuracy
We make reasonable efforts to ensure the accuracy of information on our website. However, we cannot guarantee that:
- All information is current, accurate, or complete
- Website features will always be available
- Errors will be corrected promptly
- Website operation will be uninterrupted or error-free
We reserve the right to modify, suspend, or discontinue any aspect of our website at any time without notice.
Third-Party Information and Links
Our website may contain links to third-party websites, content, or services. We are not responsible for:
- The accuracy of third-party information
- The products or services offered by third parties
- The privacy practices of third-party websites
- Any damages arising from third-party products or services
Your interactions with third-party websites are solely between you and the third party. We encourage you to review the terms and policies of any third-party sites you visit.
Partner Carriers
Motorence works with a network of licensed insurance carriers. The presence of a carrier on our platform does not constitute an endorsement or recommendation. Partner carriers include major national and regional insurance companies, but:
- Not all carriers are available in all states
- Carrier participation may vary by location
- We do not represent or speak for any carrier
- Each carrier is independently responsible for their products
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, Motorence AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY:
- INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
- DAMAGES ARISING FROM ERRORS, OMISSIONS, OR INACCURACIES IN QUOTES
- DAMAGES ARISING FROM INSURANCE CARRIER DECISIONS
- DAMAGES ARISING FROM YOUR RELIANCE ON THIRD-PARTY INFORMATION
- LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES
YOUR USE OF OUR SERVICES IS AT YOUR OWN RISK. OUR SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND.
Insurance Claims
Motorence is not responsible for insurance claims. For claims related to insurance policies:
- Contact your insurance carrier directly
- File claims according to your policy terms
- Follow the claims process outlined by your carrier
- Review your policy documents for coverage details
We do not have authority to adjust, pay, or resolve insurance claims on behalf of our partner carriers.
State-Specific Disclosures
Insurance regulations vary by state. Some states may require specific disclosures:
- California: Motorence is licensed as Insurance Agency (License #0D12345). Not affiliated with any government entity.
- New York: Motorence is licensed as Insurance Agent. Quotes are estimates only.
- Texas: Motorence is licensed as Property & Casualty Insurance Agency.
- Florida: Motorence is licensed as Insurance Agency. Rates are subject to approval.
Additional state-specific disclosures may apply. Contact your state insurance department for more information.
Acknowledgment
By using our website and services, you acknowledge that:
- You have read and understood this Disclaimer
- You agree to the terms and limitations stated herein
- You understand the risks associated with online insurance comparison
- You will consult professionals for specific insurance advice
Changes to This Disclaimer
We may update this Disclaimer at any time. Updates will be posted on this page. Your continued use of our services after any changes indicates your acceptance of the updated terms.
Contact Us
If you have questions about this Disclaimer, please contact us at:
Motorence
Email: legal@motorence.com
Phone: (877) 406-0402
Address: 123 Insurance Way, Suite 100, Austin, TX 78701