Liability Motor Insurance – Terms of Service

Applicable Terms

These Terms of Service apply to Liability Motor Insurance and all affiliated domains and platforms operated under the Liability Motor Insurance brand.
Throughout these Terms, “We,” “Us,” and “Company” refer to Liability Motor Insurance and its licensed insurance agency partners.
By using our website (“Site”) or services (“Services”), you agree to these Terms and to our Privacy Policy.

1. Service Overview

Liability Motor Insurance provides an online platform that connects consumers with insurance agents, insurance carriers, and related providers (“Providers”) who offer insurance quotes and products.

Our Service allows you to compare insurance offerings provided directly by these third-party Providers.
Our platform is free for users, though we may earn commissions or fees from Providers that participate in the Service.

Insurance availability may vary by state.
You may only use our Service if you are of legal age to enter a binding agreement and are not prohibited under applicable laws from receiving insurance-related services.

Liability Motor Insurance is not an insurance carrier.
Insurance products displayed on our Site are offered to you by independent Providers, and the terms, eligibility, and pricing of those products are determined solely by them.

We do not provide advice, guarantee accuracy of quotes, or endorse any particular product or Provider.
It is your responsibility to evaluate whether a policy meets your needs.

Quotes shown to you are based on data provided by you and third-party sources and may change after full application and underwriting review. We do not guarantee the lowest rates or availability of a particular policy.

Any inaccurate information submitted by you may result in invalid or incorrect quotes.

2. Warranties & Disclaimers

We provide our Service using commercially reasonable care, but we do not guarantee:

• the accuracy of content or quotes,
• the availability or reliability of the Service,
• specific outcomes or suitability for your needs.

The Service is provided “as is” without any express or implied warranties, including merchantability or fitness for a particular purpose, to the extent permitted by law.

3. Limitation of Liability

To the extent allowed by law:

• Liability Motor Insurance and its Providers are not responsible for lost profits, revenue, data, or any indirect, special, or punitive damages.
• Our total liability for any claim related to the Service is limited to the amount you paid us to use the Service (or, at our option, re-supplying the Service).

We are not responsible for losses that are not reasonably foreseeable.

4. Prohibited Activities

You agree not to:

1. Use the Site for commercial purposes outside of obtaining insurance quotes.
2. Copy, monitor, or extract content using automated tools (scrapers, spiders, bots) without written permission.
3. Bypass or violate any security or access restrictions.
4. Overload or interfere with the Site’s infrastructure.
5. Deep-link, frame, or mirror any portion of the Site without permission.
6. Reverse engineer, modify, or decompile any Site software.

All content, data, graphics, software, and other materials on the Site are proprietary to Liability Motor Insurance.

5. Communication Consent (Phone, SMS & Email)

By choosing to receive communications on our Site, you agree to:

• Receive marketing communications about insurance products via live calls, automated dialing, prerecorded voice, SMS, and email at the number or email you provide — including wireless numbers.
• Consent is not a condition of purchasing services.
• To receive quotes without marketing messages, you may contact us directly at info@liabilitymotorinsurance.com.