Please read these terms carefully before using our services. By accessing or using Hadley Insurit, you agree to be bound by these terms.
Welcome to Hadley Insurit. These Terms and Conditions govern your use of our website and services. By accessing or using our services, creating an account, or purchasing insurance through our platform, you agree to be bound by these terms and all applicable laws and regulations.
If you do not agree with any part of these terms, you must not use our website or services. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of any changes.
Our services are intended for individuals who meet specific criteria. You must satisfy all of the following requirements to use our services:
You must be at least 18 years old and have the legal capacity to enter into a binding contract.
You must possess a valid driver's license issued in the state where you reside.
You must provide truthful, accurate, and complete information when applying for coverage.
You must meet our underwriting requirements, which may include driving history, credit checks, and other factors.
Note: Hadley Insurit reserves the right to refuse service to anyone for any lawful reason at any time.
Understanding how our quotes work is important for making informed decisions about your insurance coverage.
All quotes provided through our website or by phone are non-binding estimates based on the information you provide. Actual premium amounts may differ after underwriting review.
Final coverage and premium amounts are subject to verification, including but not limited to: driving records (MVR), claims history (CLUE report), credit reports, vehicle inspection, and other relevant factors.
No insurance coverage is bound or in effect until: (1) you have been approved by our underwriting department, (2) you have received a policy number, (3) payment has been received and processed, and (4) you have received written confirmation of coverage.
Your coverage effective date will be clearly stated in your policy documents. Do not assume you have coverage until you receive confirmation.
When you create an account with us, you agree to certain responsibilities to maintain the security and accuracy of your account.
Understanding our payment terms ensures uninterrupted coverage and helps you avoid policy cancellation.
We accept credit cards, debit cards, electronic bank transfers (ACH), and checks. Some payment methods may incur processing fees.
Premiums are due according to your chosen payment plan (monthly, quarterly, semi-annually, or annually). Late payments may result in late fees and policy cancellation.
A grace period may be provided for late payments, typically 10-15 days depending on state regulations. Your coverage may lapse if payment is not received within the grace period.
You may enroll in automatic payments to ensure timely payment. You authorize us to charge your payment method on the due date each billing cycle.
Both you and Hadley Insurit have the right to cancel or modify your policy under certain circumstances.
You may cancel your policy at any time by providing written notice. Depending on state law, you may receive a refund of unearned premium minus any applicable cancellation fees.
We may cancel your policy for reasons including but not limited to: non-payment of premiums, material misrepresentation, fraud, license suspension, increased risk, or violation of policy terms. We will provide advance notice as required by law.
You must notify us of any changes that may affect your coverage, such as: address changes, new drivers in your household, vehicle purchases or sales, changes in vehicle usage, or major life events.
We value your privacy and handle your data responsibly. Your use of our services is also governed by our Privacy Policy, which describes in detail how we collect, use, and share your personal information.
By using our services, you consent to the data practices described in our Privacy Policy. We do not sell your personal information to third parties for marketing purposes.
All content on our website is protected by intellectual property laws. The Hadley Insurit name, logo, design, and all related graphics, text, software, and other materials are our property or the property of our licensors.
You may not copy, reproduce, distribute, republish, download, display, post, transmit, or otherwise use any content from our website without our express written permission. Unauthorized use may violate copyright, trademark, and other laws.
While we strive to provide excellent service, there are limits to our liability as outlined below.
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, error-free, or completely secure.
To the maximum extent permitted by law, Hadley Insurit shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from: your use of our services, inability to use our services, unauthorized access to your data, errors or omissions in content, or the cost of obtaining substitute services.
We prefer to resolve disputes amicably, but if a dispute arises, the following process applies:
First, contact us at [email protected] to attempt to resolve the issue informally.
If informal resolution fails, both parties agree to participate in mediation before pursuing other legal remedies.
If mediation is unsuccessful, disputes will be resolved through binding arbitration in accordance with the rules of the applicable arbitration association, unless prohibited by state law.
These Terms shall be governed by and construed in accordance with the laws of Washington State, without giving effect to any principles of conflicts of law. Any legal action or proceeding relating to your use of our services shall be brought exclusively in the federal or state courts located in Washington State, and you consent to the jurisdiction of such courts.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
These Terms, together with our Privacy Policy and any policy documents you receive, constitute the entire agreement between you and Hadley Insurit regarding the use of our services.
If you have questions about these Terms and Conditions, please contact us:
Last Updated: December 3, 2025