Terms & Conditions

Last Updated: November 2025

When you purchase an auto insurance policy from WakeInsure, you enter into a binding agreement with our company that outlines the coverage we provide and the obligations both parties must fulfill. Reading these terms helps you understand exactly what protection you receive and what actions might affect your coverage down the road. Insurance works best when everyone knows the rules upfront, so nothing catches you off guard when you need help most.

By accepting a quote and paying your first premium, you agree to follow the conditions set in your policy documents. This includes keeping your vehicle properly maintained, driving legally with a valid license, and reporting any incidents that could lead to claims within reasonable time periods. Breaking these basic requirements can result in denied claims or policy cancellation, which leaves you without the protection you paid for. Staying informed about your responsibilities prevents situations where coverage disappears right when you expect it to work.

Your auto insurance policy stays active as long as you pay premiums on time according to the billing schedule you selected during signup. Missing payment deadlines triggers grace periods that vary by state law, but eventually leads to coverage termination if you do not bring the account current. We send reminder notices before canceling policies for non-payment, giving you chances to avoid losing protection. Once a policy lapses due to missed payments, reinstating coverage might require going through the application process again with potential rate changes based on the gap in insurance history.

Claims must be filed promptly after accidents or covered incidents occur, following the procedures outlined in your policy paperwork. Waiting too long to report damage or failing to cooperate with our investigation team can complicate the claims process or even result in denial of benefits. We need accurate information about what happened, who was involved, and what losses occurred to properly assess coverage and determine appropriate compensation. Providing false statements or exaggerating damages violates the terms of your agreement and constitutes insurance fraud, which carries serious legal consequences beyond just losing your policy.

WakeInsure reserves the right to adjust premium rates at renewal time based on factors like changes in your driving record, claims history, credit score updates, or shifts in overall risk calculations for your area. Rate increases do not happen randomly but reflect real data showing changes in how likely claims become for drivers in similar situations. You receive advance notice of any rate changes before your renewal date, giving you time to review the new premium and decide whether to continue coverage or shop for alternatives. Disagreeing with a rate adjustment does not violate any terms, and you remain free to cancel or switch insurers at renewal without penalties.

Canceling your policy mid-term requires written notice sent to our customer service department through mail, email, or online account portal. Verbal cancellation requests do not count as official notice and will not stop billing or coverage. When you cancel before your policy term ends, we calculate any refund for unused premiums based on the short rate method specified in state regulations, which typically means you receive slightly less than a perfectly prorated amount. Cancellations requested within the first few weeks sometimes qualify for full refunds minus administrative fees, depending on whether any coverage was actually used during that time.

Modifications to your policy such as adding drivers, changing vehicles, updating your address, or adjusting coverage limits take effect only after you submit change requests and we confirm the updates in writing. Operating under assumptions that changes happened automatically can leave you with wrong coverage amounts or uninsured drivers behind the wheel. Always wait for written confirmation before assuming any policy modification is complete, because verbal agreements or unprocessed requests do not alter the actual terms of your coverage. Major changes like adding teenage drivers or replacing your vehicle with a different model might trigger premium adjustments that take effect immediately rather than waiting until renewal.

Your insurance coverage includes limits on how much we pay for different types of claims, and exceeding those limits means you become personally responsible for additional costs. Liability limits determine the maximum amount available to pay for injuries or property damage you cause to others in an at-fault accident. Collision and comprehensive coverage includes deductibles that represent your share of repair costs before insurance payments kick in. Understanding these limits and deductibles helps you make smart decisions about how much financial risk you carry versus what you transfer to the insurance company through premium payments.

Using your vehicle for commercial purposes like rideshare driving, delivery services, or business transportation requires special coverage that standard personal auto policies do not provide. Operating commercially without proper insurance violates your policy terms and can result in claim denials even for accidents that would normally be covered under personal use. Before signing up to drive for any ride-hailing or delivery platform, contact us to discuss appropriate coverage options that protect you during work activities without voiding your entire policy for unreported commercial use.

Disputes between policyholders and WakeInsure regarding claim denials, coverage interpretations, or premium charges can be resolved through several channels before involving lawyers or courts. Starting with direct communication to our claims or customer service departments often clears up misunderstandings about policy language or procedural requirements. If internal discussions fail to reach agreement, most states provide insurance department complaint processes or mediation services that help resolve disputes without expensive litigation. Your policy documents include specific steps for handling disagreements, and following those procedures protects your rights while giving both parties chances to find reasonable solutions.

WakeInsure maintains the right to investigate any claim thoroughly before approving payments, which may include examining your vehicle, interviewing witnesses, reviewing police reports, and consulting with accident reconstruction specialists when needed. Cooperation with these investigations forms part of your obligations under the insurance contract, and refusing reasonable requests for information or access to evidence can delay claim processing or support denial decisions. The investigation process exists to prevent fraud and ensure payments go only to legitimate covered losses, protecting premium costs for all policyholders by weeding out false or inflated claims.

These terms of service become part of your insurance contract along with the policy declarations, coverage forms, and any endorsements that modify standard provisions. Reading all these documents together gives you the complete picture of what your auto insurance covers and how the relationship between you and WakeInsure operates. Keeping copies of all policy paperwork in accessible locations ensures you can reference terms whenever questions arise about coverage, procedures, or requirements. Insurance protection works best when policyholders understand what they purchased and follow through with responsibilities outlined in the agreement.