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Terms & Conditions

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Terms & Conditions

Welcome to American Deductible, LLC! These terms of use (“Terms”) apply to your use of any American Deductible, LLC website(s). By accessing or using our website(s), you agree to abide by these Terms. Please review them carefully. If you do not agree to these Terms, please refrain from accessing or using American Deductible, LLC’s website(s).

General Terms of Service

  1. Overview of the services provided by the website:
    1. Welcome to the American Deductible, LLC website! Our website provides deductible reimbursement coverage for several insurance services including auto insurance, Uber/Lyft insurance, and home insurance. By accessing or using our website, you agree to be bound by these Terms and Conditions. If you do not agree to these Terms and Conditions, please do not use our website.
  2. User eligibility requirements:
    1. Our website is intended for use by individuals who are 21 years of age or older. By using our website, you represent and warrant that you are at least the minimum age required and have the legal capacity to enter into this agreement.
  3. Acceptance of terms and conditions:
    1. By accessing or using our website, you agree to be bound by these Terms and Conditions, our Privacy Policy, and any other policies or guidelines referenced herein. These Terms and Conditions apply to all visitors, users, and others who access or use our website.
  4. Modification of terms:
    1. We reserve the right, at our sole discretion, to modify or replace these Terms and Conditions at any time. If we make changes, we will provide notice of such changes by posting the revised Terms and Conditions on our website. Your continued use of the website after the effective date of any changes constitutes your acceptance of the revised Terms and Conditions.
  5. Termination of services:
    1. We may terminate or suspend access to our website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms and Conditions. Upon termination, your right to use the website will immediately cease. All provisions of the Terms and Conditions which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Application License

  1. Grant of a limited license to use the website/application:
    1. We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our website and any associated applications for your personal, non-commercial use, subject to these Terms and Conditions. This license does not include any right to:
      • Sell, resell, or commercially exploit our website or its content.
      • Copy, reproduce, distribute, modify, or create derivative works based on our website or its content.
      • Use any data mining, robots, or similar data gathering or extraction methods.
      • Use our website or its content for any unlawful purpose or in violation of any applicable laws or regulations.
    2. This license is granted solely for the purpose of enabling you to use our website in the manner permitted by these Terms and Conditions.
  2. Restrictions on use:
    1. You agree not to:
      • Use our website or its content for any illegal or unauthorized purpose.
      • Attempt to gain unauthorized access to any portion of our website, or any systems or networks connected to our website, by hacking, password “mining”, or any other means.
      • Interfere with or disrupt the operation of our website or the servers or networks connected to our website.
      • Use any automated system, including without limitation “robots,” “spiders,” “offline readers,” etc., to access our website in a manner that sends more request messages to our servers than a human can reasonably produce in the same period of time.
      • Reverse engineer, decompile, or disassemble any portion of our website or its underlying technology.
    2. We reserve the right to terminate or restrict your access to our website if, in our sole discretion, we believe that you have violated or attempted to violate these Terms and Conditions.
  3. Intellectual property rights:
    1. Our website and its original content, features, and functionality are owned by American Deductible, LLC and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. You agree not to reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website, except as expressly permitted herein.

Account Information

  1. User account registration requirements:
    1. In order to access certain features of our website or to make use of our services, you may be required to register for an account. When registering for an account, you agree to provide accurate and complete information about yourself as prompted by the registration form. You also agree to update your account information promptly if there are any changes. We reserve the right to suspend or terminate your account if any information provided during the registration process or thereafter proves to be inaccurate, false, or misleading.
  2. User responsibilities for maintaining account information:
    1. You are responsible for maintaining the confidentiality of your account credentials, including your username and password, and for restricting access to your account. You agree to accept responsibility for all activities that occur under your account or password. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to comply with this obligation.
  3. Account security measures:
    1. We implement reasonable security measures to protect the security of your account and personal information. However, you acknowledge and agree that no system is completely secure, and we cannot guarantee that unauthorized third parties will never be able to defeat our security measures or use your personal information for improper purposes. You agree to use our website and services at your own risk and to take appropriate measures to secure your account, such as choosing a strong password, using updated antivirus software, and logging out of your account when accessing our website from shared or public devices.

Privacy and Passwords

  1. Collection and use of personal information:
    1. We may collect personal information from you when you interact with our website, such as when you register for an account, submit an inquiry or request, or make a purchase. The types of personal information we may collect include, but are not limited to:
      • Name
      • Contact information (e.g., email address, mailing address, phone number)
      • Demographic information (e.g., age, gender, occupation)
      • Payment information (e.g., credit card number, billing address)
      • User-generated content (e.g., comments, reviews, messages)
    2. We use this information to provide you with the products and services you request, to communicate with you about your account or transactions, to improve our website and services, and for other purposes described in our Privacy Policy. We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent.
  2. Protection of user privacy:
    1. We are committed to protecting the privacy and security of your personal information. We implement reasonable technical, administrative, and physical safeguards to protect against unauthorized access, use, modification, and disclosure of your personal information. However, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.
    2. You can find more information about how we collect, use, and protect your personal information in our Privacy Policy.
  3. Password security:
    1. You are responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree not to share your account credentials with anyone else or allow anyone else to access your account. You agree to notify us immediately if you become aware of any unauthorized use of your account or any other breach of security.
    2. We will never ask you for your password in an unsolicited communication. If you receive any communication requesting your password or other sensitive information, please do not respond and report it to us immediately.

Linked Accounts and Social Networking Sites

  1. Integration with third-party accounts:
    1. Our website may offer the option to integrate with third-party accounts, such as social networking sites or other online services. By linking your account on our website with a third-party account, you authorize us to access and use certain information from that third-party account, such as your profile information and contacts, in accordance with our Privacy Policy.
    2. You may also have the option to share your activities on our website with your contacts on third-party platforms. Please note that your use of third-party accounts and the information shared with them is subject to the terms and policies of those third-party platforms.
  2. User responsibilities for linked accounts:
    1. You are responsible for maintaining the security and privacy of any linked accounts and for complying with the terms and policies of the third-party platforms. You agree not to link your account on our website with any third-party account unless you have the necessary authorization to do so.
    2. You also agree not to use any automated means, such as bots or scripts, to access or interact with third-party accounts without the express consent of the account holder.
  3. Privacy implications:
    1. Linking your account on our website with a third-party account may involve sharing certain information with the third-party platform. We do not control the collection, use, or disclosure of information by third-party platforms, and we are not responsible for their privacy practices.
    2. We encourage you to review the privacy policies and settings of any third-party platforms with which you choose to link your account to understand how they collect, use, and share your information. You may have the option to adjust your privacy settings on third-party platforms to control the information that is shared with us and with other users.

User Content

  1. Ownership of user-generated content:
    1. By submitting or posting any content on our website, including but not limited to text, images, videos, audio, or any other materials (“User Content”), you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content throughout the world in any media. You also grant us the right to use the name that you submit in connection with such User Content, if we choose.
    2. You represent and warrant that you own or have the necessary licenses, rights, consents, and permissions to grant the foregoing rights to us with respect to your User Content and that your User Content does not violate or infringe the rights of any third party, including without limitation any intellectual property rights, rights of privacy, or rights of publicity.
  2. User content submission guidelines:
    1. When submitting or posting User Content on our website, you agree to abide by the following guidelines:
      • Do not submit or post any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically, or otherwise objectionable.
      • Do not impersonate any person or entity or falsely state or misrepresent your affiliation with any person or entity.
      • Do not submit or post any content that you do not have a right to make available under any law or under contractual or fiduciary relationships.
      • Do not submit or post any content that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment.
    2. Rights granted to the website owner regarding user content:
      1. We reserve the right to monitor, screen, edit, or remove any User Content posted on our website at our sole discretion and without notice. We are not obligated to publish or use any User Content submitted by you and reserve the right to remove or refuse to post any User Content for any reason.
      2. By submitting or posting User Content on our website, you acknowledge and agree that you are solely responsible for the consequences of your User Content and that we shall not be liable for any damages resulting from the publication or use of your User Content.

Content Disclaimer

  1. Disclaimer of warranties related to website content:
    1. Our website and its content are provided on an “as is” and “as available” basis without any representations or warranties of any kind, whether express or implied. We do not warrant that:
      • The website or its content will be accurate, reliable, complete, or up-to-date.
      • The website will be available at any particular time or location, uninterrupted, or secure.
      • Any defects or errors will be corrected.
      • The website or its servers are free of viruses or other harmful components.
    2. You acknowledge and agree that your use of the website and its content is at your own risk. We disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
  2. Accuracy and reliability of information provided:
    1. While we strive to provide accurate and reliable information on our website, we make no warranties or representations as to the accuracy, reliability, completeness, or timeliness of any information or content available on or through our website. We do not endorse or guarantee the accuracy or reliability of any opinion, advice, or statement made by users or third parties.
    2. You acknowledge and agree that any reliance on the information or content available on or through our website is at your own risk. We disclaim any liability for any errors or omissions in the information or content or for any loss or damage resulting from your reliance on such information or content.
  3. Limitations on liability related to content:
    1. In no event shall we be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in any way related to the use of our website or its content, whether based on warranty, contract, tort (including negligence), or any other legal theory, even if we have been advised of the possibility of such damages.
    2. Our total liability for any claim arising out of or relating to our website or its content shall not exceed the amount paid by you, if any, for accessing or using our website. If you are dissatisfied with any portion of our website or its content, your sole and exclusive remedy is to discontinue use of the website.

Unauthorized Use

 

  1. Prohibited activities on the website:
    1. The following activities are strictly prohibited on our website:
      • Any use of the website or its content that violates any applicable laws or regulations.
      • Any use of the website or its content for unlawful purposes or in a manner that infringes upon the rights of others.
      • Any use of the website or its content to harass, intimidate, or threaten others.
      • Any use of the website or its content to transmit or distribute viruses, malware, or other harmful or disruptive code.
      • Any attempt to gain unauthorized access to our website, servers, or networks, or to interfere with the operation of our website or its content.
    2. Consequences of unauthorized use:
      1. We reserve the right to investigate and take appropriate action in response to any unauthorized use of our website or its content, including without limitation:
        • Suspending or terminating your access to our website.
        • Removing any content posted by you on our website.
        • Pursuing legal remedies, including but not limited to seeking injunctive relief and/or damages.
      2. We may also report any unauthorized use of our website to law enforcement authorities, regulatory agencies, or other relevant third parties.
    3. Reporting unauthorized use:
      1. If you become aware of any unauthorized use of our website or its content, or if you believe that your account has been compromised, please notify us immediately by contacting [contact information]. Please provide as much detail as possible about the unauthorized use, including any relevant screenshots or other evidence.
      2. We take reports of unauthorized use seriously and will investigate all reports promptly. We appreciate your assistance in helping us maintain the security and integrity of our website.

Electronic Transmissions

  1. Consent to receive electronic communications:
    1. By using our website and providing your contact information, you consent to receive electronic communications from us, including but not limited to emails, newsletters, notifications, and other messages related to your use of our website, products, and services. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
  2. Security risks associated with electronic transmissions:
    1. You acknowledge and understand that electronic communications, including emails and messages transmitted over the internet, are not always secure and may be subject to interception, loss, or alteration. While we implement reasonable security measures to protect the confidentiality of electronic communications, we cannot guarantee the security of any information transmitted over the internet or stored on our servers.
    2. You agree to use caution when transmitting sensitive information over the internet and to take appropriate measures to protect the security of your communications, such as using encrypted connections and avoiding public Wi-Fi networks.
  3. User responsibilities for electronic communications:
    1. You are responsible for maintaining the security of your email account and other electronic communication methods used to interact with our website. You agree not to share your account credentials or other sensitive information with anyone else and to take appropriate measures to prevent unauthorized access to your electronic communications.
    2. You also agree not to use our website or electronic communications services to transmit any unlawful, harmful, or otherwise objectionable content, including but not limited to viruses, malware, spam, or other malicious code.

SMS Communications

  1. Consent to receive SMS/text messages:
    1. By providing your mobile phone number and opting in to receive SMS/text messages from us, you consent to receive automated SMS/text messages from us for informational and promotional purposes. These messages may include, but are not limited to, alerts, notifications, updates, offers, promotions, and other marketing communications related to our products and services.
  2. Opt-out procedures for SMS communications:
    1. You may opt out of receiving SMS/text messages from us at any time by replying to any message with the word “STOP” or by contacting us directly at info@americandeductible.com. Once you opt out, you will no longer receive SMS/text messages from us, except for any administrative messages that are necessary for the operation of our website and services.
  3. Message frequency and charges:
    1. Message frequency may vary depending on the types of messages you have opted to receive and your interactions with our website and services. You may receive multiple messages per week or month, including both informational and promotional messages.
    2. Standard message and data rates may apply to SMS/text messages sent and received. Your mobile service provider may impose charges for text messages, data usage, or other services related to SMS/text messaging. You are solely responsible for any fees or charges incurred from your mobile service provider.

Disclosure

  1. Information sharing practices:
    1. We are committed to protecting the privacy and confidentiality of your personal information. We do not sell, rent, or otherwise disclose your personal information to third parties for their marketing purposes without your explicit consent. However, we may share your personal information with trusted third-party service providers who assist us in operating our website, conducting our business, or servicing you, as long as those parties agree to keep this information confidential.
  2. Circumstances under which user information may be disclosed:
    1. We may disclose your personal information in the following circumstances:
      • To comply with applicable laws, regulations, or legal process.
      • To enforce our Terms and Conditions or protect our rights, property, or safety, or the rights, property, or safety of others.
      • To investigate, prevent, or take action regarding illegal activities, suspected fraud, or security incidents.
      • To respond to lawful requests from public authorities, including to meet national security or law enforcement requirements.
    2. We may also disclose aggregated, anonymized, or de-identified information that does not identify individual users for purposes such as analytics, research, and reporting.
  3. Compliance with legal requests for information:
    1. We may be required to disclose your personal information in response to lawful requests from government authorities, such as subpoenas, court orders, or other legal process. We will only disclose such information to the extent required or permitted by law and will take reasonable steps to notify you in advance, unless prohibited by law.
    2. We reserve the right to cooperate with law enforcement authorities in investigating and prosecuting illegal activities, including disclosing your personal information to law enforcement authorities as necessary to comply with legal obligations or protect our rights, property, or safety, or the rights, property, or safety of others.

Limitation of Liability

  1. Limitations on liability for damages:
    1. To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or in connection with:
      • Your access to or use of our website.
      • Any content or materials obtained from or through our website.
      • Any products or services purchased or obtained through our website.
      • Any unauthorized access to or use of our servers or any personal information stored therein.
      • Any bugs, viruses, Trojan horses, or other harmful code that may be transmitted to or through our website by any third party.
      • Any errors or omissions in any content or materials or for any loss or damage of any kind incurred as a result of the use of any content or materials posted, emailed, transmitted, or otherwise made available via our website.
    2. Exclusions of certain types of damages:
      1. Our liability shall be limited to the maximum extent permitted by law, and in no event shall our total liability to you for all claims, damages, or losses exceed the amount paid by you, if any, for accessing or using our website during the twelve (12) month period preceding the date of the claim giving rise to liability.
      2. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitations may not apply to you.
    3. Allocation of risk between parties:
      1. You agree that the limitations of liability set forth in these Terms and Conditions are fair and reasonable and reflect the allocation of risk between the parties. You acknowledge and agree that if you are dissatisfied with our website or any content or materials available on or through our website, your sole and exclusive remedy is to discontinue using our website.

Assignment

  1. Prohibition against assignment of rights and obligations:
    1. You may not assign, transfer, or delegate any of your rights or obligations under these Terms and Conditions without our prior written consent. Any attempted assignment, transfer, or delegation in violation of this provision shall be null and void.
    2. We may assign, transfer, or delegate any of our rights or obligations under these Terms and Conditions without your consent, including but not limited to in connection with a merger, acquisition, reorganization, or sale of assets.
  2. Exceptions to the assignment clause:
    1. Notwithstanding the foregoing, you acknowledge and agree that we may disclose, assign, or transfer your personal information and other data collected from you to any third party in connection with the sale, transfer, or other disposition of all or substantially all of our business or assets, whether by merger, acquisition, reorganization, or otherwise. In such event, we will use reasonable efforts to notify you in advance and to ensure that any successor entity agrees to comply with these Terms and Conditions with respect to your personal information and other data.

Indemnity

  1. User responsibilities for indemnifying the website owner:
    1. You agree to indemnify, defend, and hold harmless American Deductible, LLC and its affiliates, officers, directors, employees, agents, licensors, and suppliers (collectively, the “Indemnified Parties”) from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or in connection with:
      • Your use of our website.
      • Your violation of these Terms and Conditions or any applicable law or regulation.
      • Your violation of any rights of any third party.
      • Any User Content submitted or posted by you on our website.
      • Any unauthorized use of your account or any breach of security related to your account.
    2. Indemnification procedures:
      1. In the event of a claim for which you are obligated to indemnify the Indemnified Parties under these Terms and Conditions, we will:
        • Promptly notify you of the claim in writing.
        • Cooperate with you, at your expense, in defending or settling the claim.
        • Allow you to control the defense and settlement of the claim, provided that you do not settle the claim without our prior written consent, which shall not be unreasonably withheld.
      2. Limitations on indemnity obligations:
        1. Our indemnification obligations under these Terms and Conditions are subject to the following limitations:
          • We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with us in asserting any available defenses.
          • We shall have no obligation to indemnify you for any claim arising out of or relating to your breach of these Terms and Conditions or any negligent or willful act or omission by you.
          • Our total liability for any claim arising out of or relating to these Terms and Conditions shall not exceed the amount paid by you, if any, for accessing or using our website during the twelve (12) month period preceding the date of the claim giving rise to liability.

Governing Law and Jurisdiction

  1. Choice of law governing the agreement:
    1. These Terms and Conditions and any disputes arising out of or related to your use of our website shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflicts of law principles.
  2. Jurisdiction for resolving disputes:
    1. Any dispute, controversy, or claim arising out of or relating to these Terms and Conditions or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be resolved by arbitration administered by the American Arbitration Organization, in accordance with its applicable rules and procedures. The arbitration shall be conducted in Phoenix, AZ, and the arbitrator’s decision shall be final and binding upon the parties.
  3. Waiver of jury trial:
    1. You hereby waive any right to a trial by jury in any proceeding arising out of or related to these Terms and Conditions or your use of our website. You agree that any such proceeding shall be conducted on an individual basis and not as a class action or representative action, and you hereby waive any right to participate in any class or representative proceeding.

Copyright Owner Rights

  1. Intellectual property rights of the website owner:
    1. All content and materials available on our website, including but not limited to text, graphics, logos, images, videos, audio clips, and software, are owned by American Deductible, LLC or its licensors and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
    2. You acknowledge and agree that you do not acquire any ownership rights or licenses to any content or materials by accessing or using our website. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the content or materials on our website without the prior written consent of the copyright owner.
  2. Notice and takedown procedures for copyright infringement:
    1. We respect the intellectual property rights of others and expect our users to do the same. If you believe that any content or materials on our website infringe your copyright, you may submit a notice of copyright infringement to our designated copyright agent. The notice must include the following information:
      • A physical or electronic signature of the copyright owner or a person authorized to act on behalf of the owner.
      • Identification of the copyrighted work claimed to have been infringed.
      • Identification of the allegedly infringing content or materials and information reasonably sufficient to permit us to locate the content or materials.
      • Your contact information, including your name, address, telephone number, and email address.
      • A statement that you have a good faith belief that the use of the content or materials in the manner complained of is not authorized by the copyright owner, its agent, or the law.
      • A statement that the information in the notice is accurate, and under penalty of perjury, that you are the copyright owner or authorized to act on behalf of the owner.
    2. User obligations regarding copyrighted material:
      1. You agree not to upload, post, transmit, or otherwise make available any content or materials on our website that infringe the intellectual property rights of others. You are solely responsible for ensuring that any content or materials you submit or post on our website do not violate any copyright, trademark, patent, trade secret, or other proprietary rights laws.
      2. If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement on our website, please follow our notice and takedown procedures described above.

Designated Agent

  1. Designation of an agent for receiving copyright infringement notifications:
    1. We have designated American Deductible, LLC as our agent for receiving notices of copyright infringement. Pursuant to the Digital Millennium Copyright Act (“DMCA”) and other applicable laws, our designated agent’s contact information is provided below.
  2. Contact information for the designated agent:
    1. Designated Agent: American Deductible, LLC Address: [Your Company Address] Email: [Designated Agent’s Email Address] Phone: [Designated Agent’s Phone Number]
  3. Procedures for submitting infringement claims:
    1. If you believe that any content or materials on our website infringe your copyright, you may submit a notice of copyright infringement to our designated agent. The notice must include the following information:
      • A physical or electronic signature of the copyright owner or a person authorized to act on behalf of the owner.
      • Identification of the copyrighted work claimed to have been infringed.
      • Identification of the allegedly infringing content or materials and information reasonably sufficient to permit us to locate the content or materials.
      • Your contact information, including your name, address, telephone number, and email address.
      • A statement that you have a good faith belief that the use of the content or materials in the manner complained of is not authorized by the copyright owner, its agent, or the law.
      • A statement that the information in the notice is accurate, and under penalty of perjury, that you are the copyright owner or authorized to act on behalf of the owner.
    2. Upon receipt of a valid notice of copyright infringement, we will promptly remove or disable access to the allegedly infringing content or materials and notify the alleged infringer of the claim. We may also terminate the accounts of repeat infringers in accordance with our copyright policy.

COVERAGE RELATED NOTICES

 

You represent and warrant that:

You have the legal capacity to enter into a valid, binding, and enforceable contract for coverage through our Services; Your decision to obtain coverage through our Services is voluntary; and You possess an insurable interest in the subject of the coverage policy you acquire through our Services. This means that you have a financial stake or a legally sufficient emotional attachment that would be adversely impacted by the occurrence of an unforeseen event covered under the terms and conditions of the coverage policy.

Discounts and Premium Credits

 

Discounts and premium credits may apply to multi-policy customers on all coverage products underwritten by American Deductible, LLC. As the policyowner of a coverage policy you may qualify for a reduced price if you choose different payment frequency options.

Digital Assistant

American Deductible, LLC’s Digital Assistant (AI Ada) functions as a representative of American Deductible, LLC. The covered bears sole responsibility for decisions related to coverage purchases, encompassing coverage amounts, limits, and deductibles. American Deductible, LLC retains the authority to adjust the content and information disseminated by the Digital Assistant as it deems necessary. Determinations regarding coverage and benefits during a claim will adhere to the terms and conditions specified in your coverage policy.

Automatic/Recurring Credit/Debit Card/ACH Charges

By agreeing to these terms, you acknowledge and consent to our practice of charging the credit, debit card, or ACH account linked to your coverage policy purchase today. Subsequently, we will automatically debit the card on a monthly, bi-annually, or annual basis for the premium, with the amount subject to change based on policy adjustments initiated by you and other factors sanctioned by regulatory authorities. This will occur with your credit card/payment method being billed automatically on the renewal date of your policy. Your policy does not entail a fixed duration and will continue to renew until you cancel your policy. Should your policy be on a monthly payment plan, your card will be automatically billed for the monthly premium. The same procedure applies to subsequent renewals for 6-month and 12-month policy terms. To cease these recurring payments, you have the option to cancel your policy via the My Account page or by contacting our customer experience team at mailto:info@americandeductible.com.

American Deductible, LLC enables online premium payments via credit card, debit card, and ACH. By initiating a credit card, debit card, or ACH payment, you signify your acceptance of these terms and conditions, in addition to any supplementary terms mandated by the card processor or bank. By entering your credit card or bank details, you certify your authorization to use the card or bank and the accuracy of all provided information. Moreover, by making a payment, you grant American Deductible, LLC or its assignee permission to charge the requested amount to your credit card, debit card, or ACH account.

Furthermore, through this payment, you authorize American Deductible, LLC or its assignee to refund any excess funds directly to your credit card, debit card, or ACH account to address overpayments or refunds. Beyond the charges authorized to American Deductible, LLC, your credit card issuer or bank may levy transaction fees related to your card. In the event your issuer declines or reverses any payment made to American Deductible, LLC, you agree to remit a reasonable service charge to American Deductible, LLC and reimburse it for all reasonable collection expenses.

Additionally, by utilizing your credit card, debit card, or ACH account for payment, you affirm and assure that:

  1. You are 21 years of age or older.
  2. You possess the requisite authority to validly accept the Online Payment Terms and will fulfill your obligations under these terms.
  3. The credit card, debit card, or ACH account used is either issued in your name or you have authorization to use it.
  4. You will settle all charges incurred by the credit card issuer.
  5. The information provided by you is accurate and truthful.

Furthermore, by utilizing American Deductible, LLC’s online credit card, debit card, or ACH account facilities, you consent to the disclosure of your personal data to the Service Provider solely for the purpose of offering and administering the online payment. We respect the privacy of every individual visiting our site. American Deductible, LLC’s Terms and Conditions for online credit card, debit card, or ACH account payments are subject to modification at any time. Each transaction will be governed by the specific Terms and Conditions in effect at the time of the transaction.

Return Premium

By accepting these Terms and Conditions, you acknowledge that all policies are prepaid. If a payment is declined, the policy will be placed on hold, and no coverage will be available until the required payment is received. You understand that no coverage is provided by the policy for any losses occurring while the policy is on hold. Policies placed on hold for over two weeks without receiving payment will be canceled. If you cancel your policy within 24 hours after the renewal date, you will receive a 90% refund of the premium. For monthly term policies, no refunds will be issued for cancellations occurring after 24 hours of the renewal date, and all such sales are final. For policies with 6-month and 12-month terms, you have one week from after the renewal date to receive a 90% refund and one month from after the renewal date to receive a 50% refund. After one month, no refunds are available.

Authorization for Information Retrieval

To facilitate the processing of any claims under your coverage policy, you grant consent for third parties to disclose to us all relevant information and documents, irrespective of confidentiality or privacy status. This includes, but is not limited to, personally identifiable information, financial records, protected health information, and any data previously shared with law enforcement agencies. By doing so, you designate American Deductible, LLC as your representative, empowered to obtain such information from third parties on your behalf. Any information acquired by American Deductible, LLC will be handled and utilized in accordance with our Privacy Policy.

 

Coverage Conditions for American Deductible, LLC Policies

 

Eligibility for Coverage:

  1. American Deductible, LLC only covers claims that exceed the deductible amount of your primary insurance. For instance, if damages from a collision total $2,400 and your deductible is $2,500, American Deductible, LLC will not provide coverage.
  2. Coverage is contingent upon claim acceptance by your primary insurer. Claims that are denied by your primary insurance are not eligible for deductible reimbursement from American Deductible, LLC.
  3. Proof of claim approval by your primary insurer is required. This includes documentation that confirms your claim was processed and accepted, which must be submitted to us. We may also contact your primary insurer directly for verification.

 

Registering for American Deductible, LLC Service Plans:

  1. Service coverage begins 30 days after initial registration and service plan payment is received. Personal identification details as well as valid state issued driver license information must be provided at the time of account registration. All new persons or entities applying for American Deductible Coverage consent to allow American Deductible, LLC to verify driver license status and driving record details at the time of registration.
  2. Service plan coverage will continue for 30 days following the date of any plan cancellation and all coverage will automatically terminate at the end of the 30-day cancellation period. No pro-rated credits will be applied to or be eligible for any canceled plan

 

Reporting Requirements:

  1. Incidents resulting in injury, death, or property damage over $500 must be reported to the Department of Motor Vehicles (DMV) within 10 days, provided no law enforcement officer was present. Proof of this report is necessary when filing a claim with American Deductible, LLC.
  2. For incidents occurring within the first 60 days of your policy and involving injury, death, or significant property damage, a law enforcement report is required. While reports for incidents after the initial 60 days are recommended, they are not mandatory for claim processing.

 

Exclusions from Coverage:

  1. Intentional Damage: Acts done on purpose by the policyholder, including intentional accidents.
  2. Racing and High-risk Activities: Incidents occurring during racing, speed contests, or similar high-risk activities.
  3. Commercial Use: Damages incurred while the vehicle is used for commercial activities, excluding those covered by specific endorsements like Uber/Lyft.
  4. Impaired Driving: Accidents happening while the driver is under the influence of drugs or alcohol.
  5. Wear and Tear: The usual deterioration or mechanical failures of the vehicle.
  6. Unauthorized Use: If the vehicle is driven without permission or outside the policy terms. Or, driven by a driver under the age of 21 years.
  7. Excluded Drivers: Accidents caused by drivers explicitly excluded from the policy by not being listed as drivers on the policy.
  8. Off-road Driving: Damages from driving on non-standard roads or terrains.
  9. Fraudulent Claims: Claims found to be fraudulent or based on false information.
  10. Natural Disasters and Extreme Conditions: Damage from floods, earthquakes, landslides, volcanic eruptions, tornados, and similar events, including “acts of God” and “Named Storms.”
  11. War, Insurrection, and Nuclear Hazards: Damages caused by war activities, nuclear reactions, or radiation.
  12. Damages or losses caused by wildfires, including but not limited to fires originating from forest, brush, or grassland areas.

 

Specific Exclusions from Coverage:

  1. Vehicle theft: Our coverage does not extend to damage to vehicles that have been stolen. We recommend taking preventive measures such as installing anti-theft devices and following local laws and guidelines to minimize the risk of theft and protect your valuable assets.
  2. Windshield damage: American Deductible, LLC does not cover windshield damages from road debris.
  3. Pool-related Incidents: any incidents related to swimming pools, including injuries or property damage.

 

Please ensure your claim meets these guidelines before submission.

For full details and to file a claim, visit our website or contact our support team.

 

 

To ensure comprehensive coverage understanding, here are additional terms and conditions, highlighted for emphasis, that might be pertinent to an American Deductible, LLC policy:

 

Eligibility for Coverage:

  1. Coverage is effective only when premiums are paid in full and on time. Late payments may result in a lapse of coverage.
  2. American Deductible, LLC coverage is secondary to any primary insurance policy. It only activates after the primary insurance has processed a claim.
  3. Policyholders must notify American Deductible, LLC of any accidents within 30 days of the incident to ensure eligibility for coverage.

 

Reporting Requirements:

  1. In addition to DMV reporting, policyholders are required to notify American Deductible, LLC immediately after an accident and/or immediately after filing a claim with their primary insurer.
  2. All documentation relevant to a claim, including police reports, repair estimates, and proof of claim acceptance by primary insurer, must be submitted for a claim to be considered.

 

Exclusions from Coverage:

  1. Geographical Restrictions: Coverage may not apply to incidents occurring outside the designated coverage area, such as international territories unless specifically included in the policy.
  2. Vehicle Eligibility: Certain types of vehicles, including but not limited to exotic cars, motorcycles, and commercial vehicles, may be excluded from coverage unless specifically covered under the policy terms.
  3. Previous Damage: Damages that pre-date the policy start date or are due to unresolved maintenance issues are not covered.
  4. Acts of Terrorism: Damages resulting directly or indirectly from terrorism or terrorist acts are excluded from coverage.

 

Claim Processing and Disclaimers

  1. A claim number and/or letter of acknowledgement from your insurance carrier and in some cases (60 days or less from policy inception) must be accompanied by a police report supporting your claim before American Deductible, LLC will process and/or settle any claims. Misrepresentation of information or false statements by any individual, company or insurance carrier while requesting and/or processing a claim to American Deductible, LLC may result in immediate service plan cancelation and/or denial of service plan coverage
  2. American Deductible, LLC reserves the right to deny, and/or cancel any plan for any reason and/or reasons specified in the terms & conditions of any policy. Any fraudulent personal and/or company information provided at the time of registration and/or while service plan is in effect will result in denial of plan coverage. Such information will result in immediate termination of any existing plan and/or plan coverage.
  3. Deductible Reimbursement Timing: After claim approval, deductible reimbursements are typically processed within 30 to 60 days.

Dispute Resolution: In the event of a dispute regarding claim denial or coverage, policyholders may be required to participate in mediation or arbitration as outlined in the Governing Law and Jurisdiction section of the Terms and Conditions agreement.

  1. Policy Cancellation: Policyholders have the right to cancel their policy at any time, this can be done by logging in and cancelling in the My Account section or contacting us via the contact form here, or speaking to a customer representative along with an email confirmation. Refunds, if applicable, will be prorated based on the information in the Return Premium section of the Terms and Conditions
  2. If a customer chooses to reinstate their policy after cancellation, coverage will begin 30 days after the policy is restarted and payment is received.

 

General Provisions:

  1. Policy Changes: Any changes to the policy terms, including endorsements or riders, must be made in writing and approved by American Deductible, LLC.
  2. Transferability: Coverage is not transferable to another individual or vehicle without prior written consent from American Deductible, LLC.
  3. Privacy Policy: Personal information collected by American Deductible, LLC will be used in accordance with the company’s privacy policy, which outlines how data is collected, used, and protected.
  4. We reserve the right to adjust the rates of policies at any time, as deemed necessary, based on factors such as inflationary trends, changes in regulatory requirements, and the frequency and severity of customer claims. Any adjustments to rates will be implemented in accordance with applicable laws and regulations. We will provide reasonable notice to policyholders regarding any rate changes, in accordance with legal requirements and the terms of the policy. By purchasing a policy from us, you acknowledge and agree to our right to adjust rates as described herein.

 

 

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