Effective Date: 2020
Registered Location: South Carolina, USA
JDW Truckers Insurance LLC (“JDW,” “we,” “us,” or “our”) provides this website and related services subject to your acceptance of the following terms, conditions, and policies. By using this website, contacting us via phone, email, text, or submitting any information, you agree to all terms herein.
1. Governing Law and Exclusive Venue
These Terms and Conditions and all disputes arising out of or related to your use of this website, services, or information provided by JDW shall be governed exclusively by the laws of the State of South Carolina, without regard to conflict of law principles.
You agree that any legal action or proceeding must be filed only in the state or federal courts located in South Carolina, and you consent to the jurisdiction of such courts.
2. Multi-State Licensing Disclosure
JDW is a South Carolina-registered insurance agency licensed to provide insurance products in multiple U.S. states where permitted by law.
- Insurance product availability, coverage, and rates vary by state.
- Nothing on this website constitutes an offer to sell insurance in any jurisdiction where JDW is not licensed.
- Users acknowledge that state-specific insurance laws and requirements apply.
3. No Binding Coverage / No Guarantee Clause
Submitting information through this website, by email, text, or phone does not guarantee insurance coverage. Coverage is not in force until:
- A licensed insurance carrier issues a written policy, and
- Required premiums are received and accepted by the carrier.
JDW makes no guarantees regarding:
- Policy approval
- Premium rates
- Underwriting decisions
- Issuance of coverage
You acknowledge that JDW is not liable for carrier decisions, rate adjustments, or coverage denials.
4. Maximum Indemnification
You agree to indemnify, defend, and hold harmless JDW Truckers Insurance LLC, including its affiliates, officers, directors, employees, agents, representatives, contractors, successors, and assigns (collectively, the “Protected Parties”), from and against any and all claims, demands, liabilities, damages, losses, judgments, settlements, penalties, fines, costs, and expenses (including attorneys’ fees and court costs) arising out of or related to:
- Any inaccurate, false, or misleading information you submit
- Your violation of these Terms and Conditions
- Your misuse of the website, phone, email, or text services
- Any third-party claim resulting from your actions or misrepresentations
- Insurance carrier decisions based on your submitted information
This obligation survives termination of your use of JDW’s website or services.
5. Limitation of Liability
To the fullest extent permitted by law, JDW and its Protected Parties shall not be liable for:
- Direct, indirect, incidental, consequential, special, or punitive damages
- Lost profits or business interruption
- Coverage denials or premium increases by carriers
- Underwriting or claims decisions
- Errors, delays, or omissions caused by third-party carriers
- Website downtime, technical errors, or data loss
Your sole remedy is to discontinue using the website and services.
6. Arbitration & Class Action Waiver
All disputes or claims arising from these Terms, the website, or services shall be resolved by binding arbitration in South Carolina under the rules of the American Arbitration Association (AAA).
By agreeing:
- You waive your right to a jury trial
- You waive the right to participate in class or consolidated actions
- Claims must be resolved individually
This arbitration requirement survives termination of your website or service use.
7. Communications & Consent (TCPA / Multi-State Compliance)
By providing your contact information, you authorize JDW to contact you via:
- Phone calls
- Text messages (SMS/MMS)
For:
- Insurance quotes, renewals, or policy information
- Marketing and service updates
This consent applies regardless of your state of residence and complies with the Telephone Consumer Protection Act (TCPA).
You may opt out at any time by:
- Replying STOP to any SMS
- Emailing an unsubscribe request
- Contacting us by phone
8. Data Collection & Privacy
JDW collects personal information only to provide insurance quotes and services. Information may include:
- Name, address, phone, email
- Vehicle, driver, and insurance history
- Business operations details
We do not sell your data to third parties. Data may be shared with licensed carriers strictly for quoting, underwriting, or policy issuance purposes.
9. Survival Clauses
The following survive termination of website or service use:
- Indemnification
- Limitation of Liability
- Arbitration & Class Action Waiver
- Governing Law & Venue
- No Guarantee of Coverage
10. Modifications
JDW may update this Privacy Policy & Terms of Use at any time without prior notice. Continued use of the website constitutes acceptance of the updated terms.
11. Contact
JDW Truckers Insurance LLC
By requesting quotes you confirm.
- You participate in a drug testing program
- Your drivers files conform to DOT requirements
- You utilize PSP (pre-employment screening) as part of your hire process
- You do not pull doubles or triples
- You do operate as a broker or freight fowarder
- You do not use sub haulers
- You do not allow passengers
- There are no other operations under your control
- All commercial/mobile equipment you own/operate is listed on your application
- Other restrictions may apply based upon the carriers offering quotes
Reviews are simulated from talking to customers
Pricing Disclaimer
All prices displayed on this website are for informational purposes only and are subject to change without notice. While we strive to provide accurate and up-to-date pricing, we do not guarantee that all prices, promotions, or discounts are current. The actual price you pay may vary at the time of purchase. We are not responsible for typographical errors, pricing errors, or any discrepancies between listed and actual prices.
The no financing fees must be approved by the carrier.