Terms & Conditions

These terms create a clear agreement between you and Cornerstone Insure about how our services work. When you request quotes, purchase policies, or use our website, you agree to follow these conditions. We wrote them in straightforward language because we want you to understand exactly what you're agreeing to without needing a law degree. Reading through these terms helps you know your rights and responsibilities, and if anything seems unclear or raises questions, please reach out to our team before moving forward with any purchase.

When you visit our website or request insurance quotes, you must provide accurate and truthful information because false or misleading details can affect your coverage and may void your policy if we discover them later. We rely on your honesty to calculate appropriate rates and recommend suitable protection. You must be at least eighteen years old to purchase insurance through our platform, and if you're buying coverage for someone else or acting on behalf of another person, you confirm that you have proper authority to do so since unauthorized purchases may be cancelled without refund. Creating an account with us requires choosing a secure password that you keep private because you remain responsible for all activity that happens under your account, so protect your login credentials carefully and notify us immediately if you suspect unauthorized access. Our website and all its content belong to Cornerstone Insure or our licensors, which means you can view and use the site for personal purposes related to obtaining insurance, but you cannot copy, distribute, or modify our materials without written permission including text, images, logos, and design elements.

Quote requests do not guarantee coverage because we evaluate each application based on multiple factors including driving history, vehicle type, and location. We reserve the right to decline coverage or offer different terms than initially quoted if new information comes to light during underwriting. Policy documents contain the specific details of your coverage including limits, deductibles, and exclusions, and those documents serve as the official contract between you and the insurance provider. Our website provides general information, but your actual policy terms always take precedence if any conflict arises. Premium payments must arrive by their due dates to maintain active coverage since late payments can result in policy cancellation, leaving you without protection. We send reminder notices, but you remain responsible for tracking payment deadlines and ensuring timely submission. Changes to your policy require formal requests and approval because simply contacting us about modifications does not automatically update your coverage, so wait for written confirmation before assuming any changes have taken effect.

Insurance quotes reflect our best estimates based on information available at that time, though final premiums may differ if additional details emerge during the application process or if circumstances change before coverage begins. We always explain any price adjustments before finalizing your policy. Payment methods we accept include credit cards, debit cards, and electronic bank transfers, and by providing payment information, you authorize us to charge the agreed amounts on scheduled dates. Failed payments may result in coverage suspension or cancellation. Refunds follow the terms outlined in your specific policy documents because typically, cancelling coverage mid-term generates a prorated refund based on unused time, though certain fees may apply and some circumstances prevent refunds entirely. Review your policy cancellation terms carefully before requesting termination.

We work hard to maintain accurate information on our website, but errors can occur, so we do not guarantee that every detail on the site remains perfectly current or error-free at all times. If you notice mistakes, please inform us so we can make corrections. Our website may contain links to third-party sites for your convenience, though we do not control those external sites and cannot vouch for their content or practices. Visiting linked sites happens at your own risk, and their terms govern your use of those platforms. Service interruptions can happen due to maintenance, technical problems, or circumstances beyond our control, so we try to minimize downtime but cannot promise uninterrupted access to our website or services at all times. We are not liable for losses resulting from temporary unavailability. Our liability to you for issues arising from these terms or your use of our services remains limited to the amount you paid for insurance coverage because we cannot be held responsible for indirect, consequential, or punitive damages even if we knew they might occur.

These terms follow the laws of the state where your policy was issued, and any legal disputes must be resolved in the courts of that jurisdiction because this helps ensure consistency and clarity about which rules apply to our agreement. If any part of these terms becomes invalid or unenforceable, the remaining provisions continue in full effect since we can still hold you to all valid portions of the agreement even if one section proves problematic. Before filing any lawsuit, we encourage you to contact us directly to resolve concerns because many issues can be settled through conversation and negotiation without needing expensive legal proceedings. We commit to working with you in good faith to address legitimate complaints.

We may update these terms periodically to reflect changes in our services, legal requirements, or business practices. When significant modifications occur, we notify you through email or prominent notices on our website, and continued use of our services after changes take effect means you accept the new terms. Your active policies remain governed by the terms in effect when you purchased them since new terms apply mainly to future transactions and ongoing website use rather than retroactively changing existing coverage agreements. Questions about these terms deserve clear answers because our customer service team can explain confusing sections or help you understand how specific clauses might affect your situation. Never hesitate to ask before agreeing to something you don't fully grasp. These terms work together with our Privacy Policy and any other agreements you sign when purchasing coverage because all those documents combine to create the complete understanding between us. Make sure you review everything before committing to any purchase.