Terms of Use
The information, diffs, tables, and questions generated by Auto Insurance Renewal Ledger are provided solely for general consumer educational and organizational purposes. This tool does NOT provide licensed insurance, legal, tax, claims, or financial advice.
1. Nature of the Service
Auto Insurance Renewal Ledger is an independent document reconciliation utility. We are not an insurance carrier, managing general agency (MGA), insurance broker, or agent. We do not underwrite policies, bind coverage, issue quotes, calculate statutory compliance, or adjust claims.
2. User Responsibility & Verification
Declaration pages are executive summaries of coverage and do not contain the full terms, conditions, definitions, exclusions, or endorsement riders of your insurance policy contract. You agree that you are solely responsible for reviewing your complete insurance contract and verifying all coverage details with your licensed insurance company or state department of insurance.
3. Total Loss Valuation & Dispute Documentation
Our total loss documentation tools assist vehicle owners in formatting comparable vehicle listings and cataloging data discrepancies found in third-party valuation reports. We are not vehicle appraisers, licensed public adjusters, or attorneys. We do not determine vehicle Actual Cash Value (ACV), guarantee higher settlement amounts, or negotiate insurance claims on behalf of consumers.
4. Limitation for Financial Decisions
Calculations, multi-year rate creep charts, and claim scenario models are deterministic estimates based on user-supplied inputs and statutory reference markers. They do not constitute actuarial predictions or individualized financial advice.
5. Limitation of Liability
The software and calculations are provided "AS IS", without warranty of any kind, express or implied. In no event shall the authors or copyright holders be liable for any claim, damages, coverage gaps, settlement outcomes, or other liability arising from the use of this tool.