Welcome to A-BEST Insurance. These Terms and Conditions govern your use of our website and professional services. By accessing our site, requesting insurance quotes, or purchasing policies through us, you agree to be bound by these terms. We encourage you to read them carefully to understand how we serve you. If you do not agree with any part of these terms, please refrain from using our website or services.

Acceptance of Terms

By accessing and using the A-BEST Insurance website and services, you accept and agree to be bound by these Terms and Conditions and our Privacy Policy. These terms apply to all visitors, users, and anyone else who interacts with our services. We reserve the right to update, change, or replace any part of these terms by posting updates directly on our website. To stay informed, we recommend checking this page periodically. Your continued use of the website after any changes are posted will be considered your acceptance of those updates.

Use of Our Website

You agree to use our website for lawful purposes only and in compliance with these Terms and Conditions. Specifically, you agree not to use the site in any way that violates federal, state, local, or international laws. Prohibited activities include attempting to harm or exploit minors, sending unauthorized promotional materials (spam), or impersonating A-BEST Insurance, our employees, or any other entity. Additionally, any conduct that restricts or inhibits others from enjoying our website is strictly prohibited.

Insurance Quotes and Services

The insurance quotes provided on our website are estimates based on the information you provide and are subject to verification by insurance carriers. These quotes are not guarantees of final pricing or coverage. Final premiums may vary based on underwriting requirements and carrier approval. As an independent agency, we represent multiple providers but do not guarantee that every applicant will be approved for a specific product.

By requesting a quote, you authorize A-BEST Insurance to obtain necessary reports from third parties, such as motor vehicle records, credit reports, and claims history. You also authorize us to share this information with our insurance carriers and service providers to process your application and provide you with ongoing professional service.

Accuracy of Information

You are responsible for providing accurate, complete, and current information whenever you request a quote or apply for insurance. Providing false, misleading, or incomplete details may lead to a denial of coverage, policy cancellation, or even the rejection of a claim. You also agree to notify A-BEST Insurance promptly of any material changes—such as a new address, updated vehicle details, or changes to the drivers in your household. We are not liable for any consequences or loss of coverage resulting from inaccurate information or a failure to report these changes.

Payment Terms

Insurance premiums are due as specified in your policy documents and payment schedule. Payment may be required in full at the time of policy inception or made in installments as agreed. Failure to make timely premium payments may result in cancellation of your coverage. You are responsible for all applicable fees, including late payment fees, returned check fees, and reinstatement fees as outlined in your policy documents. We accept various payment methods including credit cards, debit cards, electronic funds transfer, and checks. By providing payment information, you authorize us to charge the specified payment method for your insurance premiums and any applicable fees.

Cancellation and Refunds

You may cancel your insurance policy at any time by providing written notice to us or your insurance carrier. Cancellation terms, refund calculations, and any applicable fees are determined by the insurance carrier and are outlined in your policy documents. Some policies may include minimum earned premiums or short-rate cancellation penalties. Refunds, if applicable, will be processed according to the carrier’s procedures and timeframes. We are not responsible for determining refund amounts, which are calculated by the insurance carrier based on policy terms and applicable state regulations.

Intellectual Property Rights

The content on our website, including text, graphics, logos, images, software, and other materials, is owned by or licensed to A-Best Insurance Agency and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without our prior written consent. You may print or download one copy of a reasonable number of pages of the website for your personal, non-commercial use, provided you do not modify the materials and you retain all copyright and other proprietary notices.

Third-Party Links and Services

Our website may contain links to third-party websites, services, or resources that are not owned or controlled by A-Best Insurance Agency. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

Limitation of Liability

To the fullest extent permitted by applicable law, A-Best Insurance Agency, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses resulting from your access to or use of or inability to access or use our website or services, any conduct or content of any third party on the website, any content obtained from the website, or unauthorized access, use, or alteration of your transmissions or content. Our total liability for any claims arising out of or relating to these Terms and Conditions or your use of our services shall not exceed the amount of commissions we earned from your insurance policy during the twelve months preceding the claim.

Indemnification

You agree to defend, indemnify, and hold harmless A-Best Insurance Agency, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees, including reasonable attorneys’ fees, arising out of or relating to your violation of these Terms and Conditions or your use of the website or services, including but not limited to your user content, any use of the website’s content, services, and products other than as expressly authorized in these Terms and Conditions, or your use of any information obtained from the website.

Disclaimer of Warranties

Our website and services are provided on an “as is” and “as available” basis without any warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, secure, or error-free, that defects will be corrected, or that our website or the servers that make it available are free of viruses or other harmful components. We do not warrant or make any representations regarding the use or the results of the use of the materials on our website in terms of their correctness, accuracy, reliability, or otherwise. You expressly agree that your use of our website and services is at your sole risk.

Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located within Harris County, Texas for the resolution of any disputes arising out of or relating to these Terms and Conditions or your use of our website and services. The United Nations Convention on Contracts for the International Sale of Goods shall not apply to these Terms and conditions.

Severability

If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, such provision shall be severed from these Terms and Conditions. The invalidity, illegality, or unenforceability of any provision shall not affect the validity, legality, or enforceability of the remaining provisions, which shall continue in full force and effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other legal notices published by us on our website, constitute the entire agreement between you and A-Best Insurance Agency regarding your use of our website and services. These Terms and Conditions supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between you and us. Any failure by us to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision.

Contact Information

If you have any questions, concerns, or comments regarding these Terms and Conditions, please contact us at A-Best Insurance Agency, 7731 Long Point Rd, Houston, TX 77055, United States. You can reach us by phone at +1 713-681-1967 or by email at info@abestinsurance.com. Our office hours are Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. We welcome your feedback and are committed to addressing any concerns you may have regarding your use of our services.