Terms And Conditions
Last Updated: January 18, 2026
These Terms and Conditions (“Terms”) govern your access to and use of NewYorkMotorInsurance.com (the “Site”). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.
The Site is intended for users who are domiciled in the United States and are at least 18 years old. If you are under 18, you may not use the quote request features of the Site.
Services Offered Through the Site
The Site provides a way for consumers to request and compare insurance quotes by connecting them with a network of licensed insurance agents, brokers, carriers, and other insurance professionals (collectively, “Providers”). When you submit information through the Site, we may share your information with Providers so they can contact you with quote options or request additional details needed to provide accurate quotes.
We are not an insurance company. We do not underwrite insurance, issue insurance contracts, bind coverage, or make coverage decisions. We do not endorse or recommend any specific insurer, agent, broker, product, or policy. Quotes, eligibility, rates, and coverage availability are determined by Providers and insurers and may change based on underwriting, verification, and other factors.
We do not guarantee that you will receive quotes or that any Provider will contact you. Your dealings with any Provider (including purchasing a policy) are solely between you and that Provider and are governed by the Provider’s agreements and the insurance policy contract.
There is no charge to you to use the Site, but Providers may offer products or services that involve fees or premiums.
Definitions
| Term | Meaning |
|---|---|
| “Site” | NewYorkMotorInsurance.com and its pages, tools, and content. |
| “Providers” | Licensed agents, brokers, carriers, and other insurance professionals who may respond to quote requests. |
| “User Submissions” | Information you submit through Site forms, email, chat, or other Site features (including quote request data). |
| “Content” | Text, graphics, tools, trademarks, and other materials available on the Site. |
Communications and Provider Contact
By submitting a quote request, you authorize us and Providers to contact you at the phone number and/or email address you provide, including by call, email, and text message, to follow up on your request, request additional details, or provide quote options. Message and data rates may apply depending on your mobile plan. Providers may use their own communication practices and consent language.
If you no longer want to be contacted by a Provider, follow that Provider’s opt-out instructions or ask the Provider directly to stop contacting you. Opting out with one Provider does not automatically opt you out from others.
User Submissions and Accuracy
You are responsible for your User Submissions, including ensuring they are accurate, complete, and current. Do not submit information you do not have the right to share (for example, another person’s personal information without permission). You agree not to submit false, misleading, or fraudulent information.
We may store and process User Submissions as described in our privacy practices and may delete User Submissions at any time, including for security, operational, or compliance reasons. You should keep your own records of any information you submit.
Privacy, Cookies, and Tracking
The Site may use cookies and similar technologies for functionality, analytics, and performance. You can usually adjust cookie settings in your browser, but disabling cookies may affect certain Site features. Our collection and use of information is described in our Privacy Policy (available on the Site).
Acceptable Use
You agree not to misuse the Site. You will not, and will not attempt to:
- Use the Site for any unlawful, deceptive, fraudulent, or abusive purpose.
- Interfere with or disrupt the Site, servers, or networks (including by introducing malware or attempting unauthorized access).
- Scrape, harvest, or collect data from the Site without permission (including email addresses or form data).
- Reverse engineer, decompile, or attempt to discover source code except where permitted by law.
- Copy, reproduce, distribute, or commercially exploit the Site or Content without our prior written consent.
- Impersonate another person or entity, or misrepresent your affiliation.
Intellectual Property
The Site and its Content are owned by or licensed to us and are protected by applicable intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial use. All rights not expressly granted are reserved.
Third-party trademarks, names, and logos may appear on the Site and remain the property of their respective owners. Their appearance does not imply sponsorship or endorsement.
Third-Party Sites and Services
The Site may reference or link to third-party websites or services. We do not control third parties and are not responsible for their content, availability, privacy practices, or services. Your interactions with Providers and other third parties are solely between you and those parties.
Disclaimer of Warranties
THE SITE, INCLUDING ALL SERVICES, CONTENT, FUNCTIONS, AND MATERIALS, IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.
WE DO NOT WARRANT THAT THE SITE WILL BE SECURE, UNINTERRUPTED, ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. ANY RELIANCE ON INFORMATION PROVIDED THROUGH THE SITE IS AT YOUR OWN RISK. THE SITE DOES NOT PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. FOR GUIDANCE ABOUT YOUR INSURANCE NEEDS, CONSULT A LICENSED INSURANCE PROFESSIONAL.
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, WE AND OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY. IF THOSE LAWS APPLY TO YOU, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY, AND LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
Indemnification
You agree to defend, indemnify, and hold harmless the Site operator and its affiliates, directors, officers, employees, agents, and service providers from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or relating to (a) your use of the Site, (b) your violation of these Terms, or (c) your User Submissions.
Children
The Site is not intended for children under 18. If you are under 18, do not use the quote request features of the Site.
Changes to the Site and Terms
We may modify, suspend, or discontinue any part of the Site at any time. We may also update these Terms from time to time. Updates are effective when posted on this page (as reflected by the “Last Updated” date). Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
Term and Termination
These Terms remain in effect while you use the Site. We may suspend or terminate your access to the Site at any time if we reasonably believe you have violated these Terms or if necessary to protect the Site, users, Providers, or our operations. Provisions that by their nature should survive termination (including disclaimers, limitation of liability, and indemnification) will survive.
Governing Law and Venue
We control and operate the Site from the United States. These Terms and any dispute arising out of or relating to the Site or these Terms will be governed by the laws of the State of Minnesota, without regard to conflict of law rules. You agree that any legal action will be brought in the appropriate courts located in Minnesota, and you consent to the personal jurisdiction of those courts.
Miscellaneous
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision is not a waiver. You may not assign these Terms without our prior written consent. These Terms constitute the entire agreement between you and us regarding your use of the Site.
Any claim or cause of action arising out of or related to the Site or these Terms must be filed within one (1) year after the claim arose, or it will be permanently barred, to the extent permitted by law.
Contact
If you have questions about these Terms, please contact us through the Site’s contact options.