Please read these Terms of Service completely using onlineinsurancegeneral.com which is owned and operated by Online Insurance General. This Agreement documents the legally binding terms and conditions attached to the use of the Site at onlineinsurancegeneral.com

By using or accessing the Site in any way, viewing or browsing the Site, or adding your own content to the Site, you are agreeing to be bound by these Terms and Conditions.


Please review our Privacy Notice, which also governs your visit to Online Insurance General, to understand our practices.


When you visit onlineinsurancegeneral.com or send e-mails or text messages to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or text or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.


All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Online Insurance General or its content suppliers and protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of Online Insurance General and protected by U.S. and international copyright laws. All software used on this site is the property of Online Insurance General or its software suppliers and protected by United States and international copyright laws.


Online Insurance General graphics, logos, page headers, button icons, scripts, and service names are trademarks, registered trademarks or trade dress of Online Insurance General in the U.S. and/or other countries. Online Insurance General ‘s trademarks and trade dress may not be used in connection with any product or service that is not Online Insurance General ’s, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Online Insurance General. All other trademarks not owned by Online Insurance General that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Online Insurance General.


Online Insurance General reserves the right to terminate your access to the Site, without any advance notice.


Our Site does contain a number of links to other websites and online resources that are not owned or controlled by Online Insurance General.

Online Insurance General has no control over, and therefore cannot assume responsibility for, the content or general practices of any of these third-party sites and/or services. Therefore, we strongly advise you to read the entire terms and conditions and privacy policy of any site that you visit as a result of following a link that is posted on our site.


Online Insurance General reserves the right to modify these Terms and Conditions at any time. We do so by posting and drawing attention to the updated terms on the Site. Your decision to continue to visit and make use of the Site after such changes have been made constitutes your formal acceptance of the new Terms and Conditions.

Therefore, we ask that you check and review this Agreement for such changes on an occasional basis. Should you not agree to any provision of this Agreement or any changes we make to this Agreement, we ask and advise that you do not use or continue to access the Online Insurance General site immediately.


If you have any questions about this Agreement, please feel free to contact us at [email protected].

The standard private passenger automobile insurance policy affords up to four types of coverage. These coverages include Liability Coverage, Medical Payments Coverage, Uninsured Motorist Coverage (Underinsured Motorist Coverage) and Coverage for Damage to Your Auto (Comprehensive and Collision). Liability coverage protects you from property damage or personal injury claims arising out of the ownership, maintenance or use of a covered automobile. Unless specifically restricted by your policy, you will have coverage while driving any car, pickup, or van so long as you have the owner’s permission to use the vehicle. A person who is using your car, pickup, or van with your permission will also be covered. At the time the policy is issued you will choose the limits of liability that you want. The limits that you select are the most that we will pay in the event of a loss. Medical payments coverage pays for medical expenses that you, or a family member, incur as the result of an automobile accident. It also covers persons who are occupying a covered automobile. At the time the policy is issued you will choose a coverage limit. The limits that you select are the most that will be paid for each person in connection with a single accident. Even though liability coverage is advisable and often required, there are many irresponsible people who do not buy insurance. If an uninsured motorist causes an accident you will not be able to recover any damages that you sustain. If you purchase uninsured motorist insurance, though, your insurance company will pay you for the property damage and bodily injury caused by an uninsured motorist. It will cover you, any family member, and anyone occupying a covered automobile. The limits for this coverage are usually the same limits that you selected for liability, although you can choose lower limits. There are also times when a person who causes an accident has liability insurance but your damages exceed the limits of that person’s coverage. In some states, underinsured motorist coverage is included in your uninsured motorist coverage. In other states, you can purchase underinsured motorist insurance which covers your excess losses up to the limit set forth in the policy. If you have comprehensive and collision coverage, the insurance company will pay for damage to a covered automobile regardless of fault. Most banks and finance companies require you to maintain comprehensive and collision coverage on your car if it is financed.

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