📄 Terms & Conditions – JDW Truckers Insurance
1. Introduction
These Terms and Conditions (“Terms”) govern your use of the JDW Truckers Insurance website and any related services, including but not limited to online quote request forms, informational content, email communication, and insurance-related inquiries.
By accessing or using this website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you should discontinue use of this website immediately.
JDW Truckers Insurance provides commercial truck insurance information, quoting services, and insurance-related consultation support through licensed insurance professionals and authorized carriers.
Any information found on this site, to affiliates and/or third party sites is deemed reliable but is not guaranteed.
If you do not agree please do not use this site.
2. No Binding Insurance Coverage
All content provided on this website is for informational and quote request purposes only.
Nothing on this website constitutes:
- A binding insurance contract
- A binder of insurance coverage
- A guarantee of insurance approval
- A commitment to provide insurance coverage at any specific price or terms
Insurance coverage is only considered active when:
- A licensed insurance agent has reviewed and approved the risk
- An authorized insurance carrier has issued and confirmed coverage in writing
No coverage is bound, modified, or canceled through:
- Website submissions
- Email communication
- Text messages
- Phone calls
- Voicemail
- Any automated system or digital form
3. Quote Requests Are Not Applications or Coverage
Submitting a quote request through this website does not create an insurance application or guarantee coverage.
All submissions are treated as:
Non-binding requests for insurance quotes and underwriting review.
Quotes are subject to change based on underwriting evaluation, which may include:
- Motor Vehicle Records (MVRs)
- Driving history and violations
- FMCSA compliance under 49 CFR Part 391
- Vehicle type, condition, and usage
- Freight classification and cargo type
- Loss history and prior insurance experience
- Carrier-specific underwriting guidelines
4. FMCSA Compliance and Driver Qualification Disclaimer
Where applicable, trucking operations must comply with Federal Motor Carrier Safety Administration (FMCSA) regulations, including but not limited to 49 CFR Part 391 (Driver Qualification Requirements).
This includes maintaining:
- Valid Commercial Driver’s Licenses (CDLs)
- Motor Vehicle Records (MVRs)
- Driver Qualification (DQ) files
- Medical certification compliance
- Safety performance history reviews
JDW Truckers Insurance does not enforce FMCSA compliance but may require supporting documentation for underwriting purposes.
Insurance approval is separate from FMCSA compliance. A driver or motor carrier may be FMCSA-compliant and still be declined coverage based on underwriting risk factors.
5. Accuracy of Information
You agree that all information submitted to JDW Truckers Insurance is accurate, complete, and truthful to the best of your knowledge.
We are not responsible for:
- Incorrect or incomplete information submitted by users
- Errors in underwriting decisions based on inaccurate data
- Changes in insurance pricing due to updated risk information
- Carrier decisions based on third-party or external records
Providing false or misleading information may result in:
- Quote delays
- Coverage denial
- Policy cancellation or rescission by the insurance carrier
6. Underwriting Approval and Carrier Authority
All insurance decisions are subject to underwriting approval by licensed insurance carriers.
JDW Truckers Insurance does not:
- Guarantee approval of any risk
- Control carrier underwriting decisions
- Override carrier guidelines or pricing models
Insurance carriers retain sole authority over:
- Acceptance or rejection of risks
- Final pricing and premium determination
- Coverage limitations and exclusions
- Policy issuance and cancellation
7. No Guarantee of Pricing or Availability
All quotes provided are estimates only and may change based on underwriting review.
Pricing is not guaranteed and may vary due to:
- Driver history changes
- Vehicle changes
- Freight type changes
- Market conditions
- Carrier appetite for risk
Final premium is determined only after full underwriting review.
8. Driver Additions, Policy Changes, and Written Approval Requirement
Any request to add, remove, or modify drivers must be submitted in writing by the insured.
Driver changes are not effective until:
- The request is reviewed by underwriting
- Written approval is issued by the insurance carrier
- The policy is formally endorsed or updated
Verbal requests, emails, or informal communication do not guarantee coverage changes.
9. Test Drivers and Temporary Operators
Any driver operating a commercial vehicle under a motor carrier’s authority, including test drivers, temporary operators, or prospective hires, must be disclosed and approved in accordance with underwriting guidelines.
Failure to disclose a driver may result in:
- Coverage disputes
- Claim denial
- Policy cancellation or non-renewal
10. Limitation of Liability
To the maximum extent permitted by law, JDW Truckers Insurance shall not be liable for any damages arising from:
- Use of this website
- Reliance on insurance information provided
- Delays in underwriting or carrier response
- Errors or omissions in submitted information
- Carrier underwriting decisions
This includes direct, indirect, incidental, consequential, or punitive damages.
11. Errors & Omissions Protection Disclaimer
All information provided through this website is intended for general informational purposes only and does not constitute legal, financial, or insurance advice.
No coverage is bound or guaranteed unless confirmed in writing by a licensed insurance agent and issued by an authorized insurance carrier.
JDW Truckers Insurance assumes no liability for:
- Misinterpretation of insurance guidelines
- Carrier underwriting decisions
- Compliance or regulatory determinations
- Business decisions made based on website content
12. Electronic Communications Consent
By using this website or submitting any form, you consent to receive communications electronically, including:
- Phone calls
- Text messages
You acknowledge that these communications may include:
- Insurance quotes
- Underwriting requests
- Policy updates
- Marketing or informational content
You agree that electronic communications satisfy any legal requirement for written notice.
13. TCPA and Marketing Consent
By submitting your information, you provide express written consent for JDW Truckers Insurance and its licensed partners to contact you regarding insurance products and services.
This consent applies even if your number is listed on any federal or state Do Not Call registry.
You may opt out of communications at any time by requesting removal.
14. Third-Party Services and Affiliates
JDW Truckers Insurance may work with:
- Insurance carriers
- Managing general agents (MGAs)
- Referral partners
- Third-party service providers
We are not responsible for:
- Third-party websites or services
- Carrier underwriting decisions
- External business practices of partners
15. Intellectual Property
All content on this website, including text, graphics, logos, and design elements, is the property of JDW Truckers Insurance unless otherwise stated.
Unauthorized reproduction, distribution, or modification is prohibited.
16. No Agency Relationship
Use of this website does not create an agent-client, fiduciary, or professional relationship unless formally established through written agreement and insurance policy issuance.
17. Changes to Terms
We reserve the right to modify or update these Terms at any time without prior notice.
Continued use of the website constitutes acceptance of any updated Terms.
18. Governing Law
These Terms are governed by the laws of the State of South Carolina, without regard to conflict of law principles.
19. Contact Information
If you have questions regarding these Terms, you may contact:
JDW Truckers Insurance
Phone: +1-843-849-4929
Website: https://jdwtruckersinsurance.com/
🔒 Privacy Policy – JDW Truckers Insurance
1. Introduction
JDW Truckers Insurance (“Company,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you share when using our website, submitting insurance quote requests, or communicating with our licensed agents.
This Privacy Policy explains how we collect, use, store, share, and protect your information when you visit https://jdwtruckersinsurance.com or interact with any of our online forms, advertisements, or affiliated services.
By using this website, you agree to the terms of this Privacy Policy and consent to the collection and use of information as described herein.
2. Information We Collect
We collect both personal and non-personal information to provide insurance quotes, improve services, and comply with underwriting requirements.
A. Personal Information You Provide
When you complete a quote request or contact form, we may collect:
- Full name
- Phone number
- Email address
- Business name (if applicable)
- Commercial driver details
- CDL information
- Vehicle and fleet information
- Insurance history
- Freight type and operation details
- Requested coverage information
This information is used strictly for insurance quoting, underwriting review, and service-related communication.
B. Automatically Collected Information
When you visit our website, we may automatically collect:
- IP address
- Browser type
- Device information
- Operating system
- Pages visited
- Time spent on pages
- Referral source (ads, search engines, social media)
This data helps us improve website performance and marketing effectiveness.
C. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to:
- Improve user experience
- Analyze website traffic
- Measure marketing performance
- Support remarketing campaigns
You may disable cookies in your browser settings; however, some features may not function properly.
3. How We Use Your Information
We use collected information for legitimate business and insurance purposes, including:
- Providing commercial truck insurance quotes
- Connecting you with licensed insurance agents
- Submitting information to insurance carriers for underwriting review
- Evaluating risk and eligibility
- Improving website performance and user experience
- Responding to customer service requests
- Marketing insurance services and promotions
- Complying with legal and regulatory requirements
We do not use your information for unrelated purposes.
4. Insurance Underwriting and FMCSA-Related Data Use
In the commercial trucking insurance industry, underwriting decisions are based on risk evaluation, which may include compliance-related factors.
This may involve review of:
- Motor Vehicle Records (MVRs)
- Driver Qualification (DQ) files
- CDL status and driving history
- FMCSA compliance under 49 CFR Part 391
- Accident history and safety performance
- Vehicle type and freight classification
We do not determine underwriting decisions. All insurance approvals, pricing, and eligibility are determined solely by licensed insurance carriers.
5. How We Share Your Information
We may share your information with:
A. Licensed Insurance Carriers and MGAs
To obtain quotes and underwriting decisions.
B. Licensed Insurance Agents and Partners
To assist in providing coverage options and service support.
C. Service Providers
Such as:
- CRM systems
- Email providers
- Call tracking systems
- Website analytics tools
- Marketing platforms
D. Legal or Regulatory Authorities
When required by law, subpoena, or regulatory request.
6. No Sale of Insurance Coverage Guarantee
Submitting your information does not guarantee:
- Insurance approval
- Pricing accuracy
- Coverage availability
All insurance products are subject to underwriting review and carrier approval.
Coverage is only effective when:
formally issued in writing by a licensed insurance carrier or authorized agent.
7. Consent to Contact (TCPA Compliance)
By submitting your information through this website, you provide express written consent for JDW Truckers Insurance, its agents, carriers, and partners to contact you regarding:
- Insurance quotes
- Underwriting requirements
- Policy updates
- Marketing or service communications
Contact methods may include:
- Phone calls
- Text messages (SMS/MMS)
- Email communications
- Automated dialing systems
This consent applies even if your phone number is listed on a federal or state Do Not Call registry.
You may opt out of communications at any time by requesting removal.
8. Data Accuracy Responsibility
You agree that all information provided to us is accurate and complete to the best of your knowledge.
We are not responsible for:
- Errors in submitted information
- Underwriting decisions based on incorrect data
- Delays caused by incomplete applications
- Carrier decisions resulting from inaccurate reporting
Providing false or misleading information may affect eligibility, pricing, or coverage approval.
9. Data Security
We take reasonable administrative, technical, and physical safeguards to protect your personal information.
However, no system is completely secure. We cannot guarantee absolute security of information transmitted through the internet.
By using this website, you acknowledge and accept this risk.
10. Cookies, Analytics, and Advertising
We may use third-party services such as:
- Google Analytics
- Meta (Facebook) Ads
- Retargeting platforms
- Conversion tracking tools
These services may collect anonymous data to help us understand website performance and improve advertising effectiveness.
You may opt out of certain tracking technologies through your browser settings or ad preference tools.
11. Third-Party Websites
Our website may contain links to third-party websites, including insurance carriers, partners, or affiliate resources.
We are not responsible for:
- Privacy practices of third-party websites
- Content accuracy on external sites
- Data collection outside our control
We encourage users to review the privacy policies of any third-party websites they visit.
12. Errors & Omissions Disclaimer
All information provided on this website is for informational and insurance quote purposes only.
We do not provide legal, tax, or financial advice.
JDW Truckers Insurance assumes no liability for:
- Misinterpretation of information
- Underwriting decisions made by carriers
- Coverage disputes or claim outcomes
- Business decisions based on website content
Insurance coverage is only valid when issued and confirmed in writing by a licensed insurance carrier.
13. Data Retention
We retain personal information only as long as necessary to:
- Provide insurance quotes and services
- Comply with legal obligations
- Resolve disputes
- Maintain business records
After this period, data may be securely deleted or anonymized.
14. Your Privacy Rights
Depending on your location, you may have rights to:
- Access your personal data
- Request corrections
- Request deletion (where applicable)
- Opt out of marketing communications
To exercise these rights, contact us using the information provided below.
15. Children’s Privacy
This website is not intended for individuals under the age of 18.
We do not knowingly collect personal information from minors.
16. International Users
This website is operated in the United States. If you access it from outside the U.S., you consent to the transfer and processing of your information in the United States.
17. Changes to This Privacy Policy
We reserve the right to update this Privacy Policy at any time.
Changes will be posted on this page with an updated revision date. Continued use of the website constitutes acceptance of any updates.
18. No Agency Relationship
Use of this website does not create an agency, fiduciary, or contractual relationship unless formally established through written agreement and insurance policy issuance.
19. Contact Information
If you have questions regarding this Privacy Policy, you may contact:
JDW Truckers Insurance
Phone: +1-843-849-4929
Website: https://jdwtruckersinsurance.com/
All policy changes must be requested in writing and the policy change do not take effective until confirmed in writing.
