Terms of Service

These Terms of Service govern access to and use of the AnovaMotors Insurance website and all associated services. By accessing the website, submitting a quote request, creating an account, or using any features of the platform, individuals agree to be bound by these terms in full. If the terms are not accepted, the services should not be accessed or used. AnovaMotors Insurance reserves the right to update these terms at any time, and continued use of the services following any update constitutes acceptance of the revised terms.

The services provided through AnovaMotors Insurance are intended for individuals who are legal residents of the United States and who are at least eighteen years of age. By submitting personal information or creating an account, the individual confirms that both of these conditions are met. The platform is not intended for use by minors, and information submitted on behalf of a minor without appropriate authorization is not accepted.

All information submitted through the quote request process, account registration forms, or any other entry point must be accurate, truthful, and complete to the best of the individual's knowledge. Providing false or misleading information may result in the denial of coverage, cancellation of an existing policy, or refusal of claims. AnovaMotors Insurance reserves the right to verify the information provided and to request supporting documentation at any stage of the application or claims process.

Account credentials, including login email and password, are the sole responsibility of the account holder. Access to accounts should not be shared with others, and any unauthorized use of an account must be reported immediately. AnovaMotors Insurance is not liable for losses or damages arising from unauthorized account access resulting from failure to maintain credential security on the part of the account holder.

Quote requests and policy applications submitted through the platform do not constitute a binding insurance contract until coverage is confirmed in writing and payment is received and processed. Quotes are estimates based on the information provided and are subject to change pending verification. Activation of coverage is contingent on completion of the application process, eligibility confirmation, and receipt of initial premium payment.

All content available on the AnovaMotors Insurance website, including text, design elements, images, and interactive features, is the intellectual property of AnovaMotors Insurance or its licensors and is protected by applicable copyright and trademark law. Reproduction, distribution, modification, or commercial use of any content without written authorization is strictly prohibited. Personal, non-commercial use is permitted subject to these terms.

The services are provided on an as-is basis. AnovaMotors Insurance makes no warranties, express or implied, regarding the accuracy, reliability, or completeness of any information on the site or the uninterrupted availability of the services. Insurance coverage is provided through licensed carrier partners, and the terms of specific policies are governed by the applicable policy documents issued at the time of purchase.

To the fullest extent permitted by applicable law, AnovaMotors Insurance shall not be liable for any indirect, incidental, special, or consequential damages arising from use of or inability to use the services, including loss of data, loss of income, or any claims by third parties. Total liability in any dispute shall not exceed the amount paid for services in the twelve months preceding the event giving rise to the claim.

Any dispute arising out of or relating to these Terms of Service or the services provided shall be resolved through binding arbitration conducted in accordance with applicable arbitration rules. By agreeing to these terms, all rights to a jury trial or participation in a class action lawsuit related to the services are waived. Arbitration shall be conducted on an individual basis only. This arbitration clause does not prevent a party from seeking emergency injunctive relief where applicable law permits.

These Terms of Service are governed by the laws of the state in which AnovaMotors Insurance operates, without regard to conflict of law principles. Any legal action not subject to arbitration shall be brought in the appropriate courts of that jurisdiction. For questions about these terms or to submit a request, contact AnovaMotors Insurance at leroy.perez@anovamotors.com, by phone at +1 (815) 591-4076, or at 1650 South Blue Island Avenue Chicago IL 60608.