Disclaimer

General Disclaimer

The information provided on Insurance ByState is for general informational purposes only. All information on the site is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the site.

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the site or reliance on any information provided on the site. Your use of the site and your reliance on any information on the site is solely at your own risk.

Not an Insurance Company or Agent

Insurance ByState is an educational website that provides information about insurance topics. We are NOT an insurance company, insurance agency, or insurance broker. We do not sell, solicit, negotiate, or effect insurance contracts.

The information on this site should not be construed as insurance advice or as a recommendation to purchase any specific insurance product. Always consult with a licensed insurance professional for personalized advice.

Third-Party Information

The site may include links to third-party websites, content, or resources. We have no control over and accept no liability for any third-party materials, websites, or services.

We do not guarantee:

• The accuracy or completeness of information from third-party sources
• That third-party websites are free from errors or viruses
• That the products or services advertised by third parties are suitable for your needs

Quote Comparison Services

When you use our quote comparison tools or are redirected to third-party insurance provider websites, you are dealing directly with those third parties. Insurance ByState is not a party to any transactions between you and insurance providers.

Quotes obtained through our tools:

• Are estimates only and may not reflect actual premiums
• May vary based on individual circumstances and underwriting criteria
• Are subject to change without notice

State-Specific Information

Insurance laws and regulations vary by state. Information about state-specific requirements may change frequently. We make reasonable efforts to keep this information current, but we cannot guarantee its accuracy at any given time.

Always verify insurance requirements and regulations directly with your state's Department of Insurance before making any decisions.

Professional Advice

The site does not provide professional advice of any kind, including but not limited to:

• Legal advice
• Financial advice
• Insurance advice
• Tax advice

For professional advice, consult with qualified professionals in the relevant field.

Limitation of Liability

To the fullest extent permitted by applicable law, Insurance ByState and its owners, operators, employees, and affiliates shall not be held liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use the site
• Any errors, inaccuracies, or omissions in content
• Any unauthorized access to your personal data
• Any conduct of any third party on the site
• Any reliance placed on information provided on the site

Contact

If you have questions about this disclaimer, please contact us:

• Email: legal@insurancebystate.com
• Phone: (323) 937-1060
• Address: 123 Insurance Ave, Suite 100, Los Angeles, CA 90001