Terms & Conditions

1. Acceptance of Terms

By accessing or using the Truckers Coverage USA website, services, advertisements, forms, or other online properties (collectively, the “Services”), you agree to these Terms & Conditions and all applicable laws and regulations.

If you do not agree with these Terms, you should not use our Services or submit information through our website.

2. Use License

Truckers Coverage USA grants you a limited, non-exclusive, non-transferable license to access and view materials on our website for personal, non-commercial use.

You may not:

Modify, copy, reproduce, or distribute website materials without authorization

Use our materials for unauthorized commercial purposes or public display

Attempt to reverse engineer software or technology used by our website

Remove copyright, trademark, or proprietary notices

Mirror or reproduce substantial portions of our website on another website or server

Use our Services for fraudulent, unlawful, or abusive purposes

This license may terminate automatically if you violate these restrictions.

3. Services Provided

Truckers Coverage USA provides insurance-related information and helps connect consumers, including truck drivers and their families, with licensed insurance professionals and insurance coverage options.

Truckers Coverage USA is not an insurance carrier and does not underwrite or issue insurance policies.

Insurance products and services may be offered by independent licensed insurance agents, agencies, or insurance carriers.

Submitting information through our Services does not guarantee eligibility, approval, coverage, benefits, or any particular insurance rate.

4. No Professional Advice

Information provided through Truckers Coverage USA is intended for general informational and educational purposes.

Nothing on our website should be interpreted as:

Legal advice

Tax advice

Investment advice

Financial advice

A guarantee or recommendation of any specific insurance product

Insurance products may contain fees, expenses, limitations, exclusions, surrender charges, and other terms. Product availability and features vary by carrier and state.

You should review the applicable policy documents and consult appropriate licensed or qualified professionals before making financial or insurance decisions.

5. Information You Provide

When submitting information through our Services, you agree to provide information that is accurate and truthful to the best of your knowledge.

Information you submit may include your name, telephone number, email address, state, age, insurance interests, financial goals, health information, occupation, or other information relevant to your request.

You acknowledge that information you provide may be used to respond to your inquiry, determine potential insurance options, and connect you with licensed insurance professionals or authorized service partners.

6. Communications, AI Agents, Calls & SMS Consent

When you provide your telephone number and affirmatively consent to communications, you authorize Truckers Coverage USA and the licensed insurance agents, agencies, service providers, and other authorized partners identified or described at the point of consent to contact you regarding insurance products and services, subject to the scope of the consent you provide.

Communications may include:

Telephone calls

SMS and text messages

Emails

Automated dialing technology

Artificial intelligence-powered calls or messages

AI voice agents and virtual agents

Prerecorded or artificial voice messages

Automated conversational systems

Where your consent permits, calls or messages may be made using automated technology, artificial intelligence, prerecorded messages, or artificial voices.

You may receive communications at the telephone number you provided even if that number appears on a state or federal Do Not Call Registry, to the extent permitted by your consent and applicable law.

Consent to receive marketing calls or text messages is not a condition of purchasing any goods or services.

Message frequency may vary. Message and data rates may apply.

You may reply STOP to text messages to opt out of future texts and HELP for assistance. You may also request that telephone calls stop during a call or by contacting us directly.

7. Service and Insurance Partners

To help fulfill your request, we may provide or disclose information you submit to third parties involved in providing, marketing, or facilitating insurance-related services, including:

Licensed insurance agents

Insurance agencies and brokerages

Insurance carriers

Technology and communications providers

Marketing and lead-generation partners

Other service providers involved in responding to your request

Where disclosed to you and permitted by applicable law, information may be shared or transferred to third-party partners in connection with your insurance inquiry.

Third-party insurance professionals and companies are responsible for their own products, services, communications, licensing, and regulatory obligations.

8. Prohibited Uses

You agree not to use our Services:

In violation of applicable laws or regulations

To submit fraudulent or intentionally misleading information

To impersonate another person or entity

To interfere with the operation or security of our Services

To attempt unauthorized access to systems or information

To distribute malicious software or harmful code

To collect information about other users without authorization

For any fraudulent, abusive, harmful, or illegal purpose

9. Intellectual Property

Unless otherwise indicated, website content, branding, graphics, designs, text, logos, and other materials associated with Truckers Coverage USA are owned by or licensed to Truckers Coverage USA and are protected by applicable intellectual property laws.

No content may be reproduced, distributed, modified, or commercially exploited without appropriate authorization.

10. Disclaimer of Warranties

Our Services and website materials are provided on an “as is” and “as available” basis.

To the fullest extent permitted by applicable law, Truckers Coverage USA disclaims warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee that:

Our website will always be available or error-free

Information will always be complete, accurate, or current

Any particular insurance product will be available

You will qualify for coverage

You will receive any particular premium, benefit, cash value, or financial result

Insurance eligibility, rates, benefits, and policy terms are determined by the applicable insurance carrier and policy.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Truckers Coverage USA and its owners, affiliates, service providers, and representatives will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our Services.

This includes, where permitted by law, damages resulting from loss of data, lost profits, business interruption, or reliance on information presented through our Services.

Nothing in these Terms excludes or limits liability where doing so would be prohibited by applicable law.

12. Insurance Product Disclosures

Insurance products are subject to eligibility requirements, underwriting guidelines, policy terms, exclusions, limitations, and state availability.

Indexed Universal Life insurance is a form of permanent life insurance that may provide cash-value accumulation based in part on the performance of a market index, subject to the terms of the applicable policy.

References to cash value, retirement income, tax treatment, living benefits, loans, withdrawals, or other potential policy features are general descriptions only. Actual results and availability depend on the specific policy, carrier, funding, charges, policy performance, and other factors.

Policy loans and withdrawals may reduce cash value and death benefits and may have tax consequences or cause a policy to lapse.

Truckers Coverage USA does not guarantee investment performance, cash-value growth, retirement income, tax results, or policy benefits.

13. Third-Party Websites

Our Services may contain links to third-party websites, products, or services.

Truckers Coverage USA does not control and is not responsible for the content, availability, privacy practices, terms, products, or services provided by third parties.

Your use of third-party services is subject to their respective terms and privacy policies.

14. Revisions and Errors

Website materials may contain technical, typographical, pricing, product, or other errors.

We may modify or update website content at any time. We do not guarantee that all information displayed through our Services will always be complete, accurate, or current.

15. Changes to These Terms

We may update these Terms & Conditions periodically to reflect changes to our Services, business practices, technology, or applicable requirements.

Updated Terms will be posted on our website. Your continued use of the Services after an update constitutes acceptance of the revised Terms to the extent permitted by law.

16. Privacy

Your use of our Services is also subject to the Truckers Coverage USA Privacy Policy.

Our Privacy Policy explains how we collect, use, disclose, retain, and protect personal information.

17. Governing Law

These Terms are governed by applicable federal law and the laws of the state in which Truckers Coverage USA operates, without regard to conflict-of-law principles, except where applicable consumer protection laws require otherwise.

Nothing in these Terms is intended to limit rights that cannot legally be waived under applicable state or federal law.

18. Important Insurance Disclosure

Truckers Coverage USA is not an insurance carrier and does not underwrite or issue insurance policies.

Insurance products are offered through appropriately licensed insurance professionals and insurance carriers. Availability, eligibility, coverage amounts, premiums, policy features, and benefits vary by applicant, carrier, product, and state.

Truckers Coverage USA may operate as an insurance marketing and lead-generation service that connects consumers with licensed insurance professionals.

19. Contact Information

Questions regarding these Terms & Conditions may be directed to:

Truckers Coverage USA
Website: truckerscoverageusa.com
Email: [email protected]
Phone: +1 972-460-8563