Terms of Service

1. Acceptance of Terms

By accessing and using Pegram Insurance Agency's website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. Pegram Insurance has been serving clients across 9 states since 2006 with integrity and excellence.

2. Service Description

Pegram Insurance Agency provides:

• Auto, Motorcycle, Boat, and ATV insurance
• Homeowners and Renters insurance
• Business and Commercial insurance
• Life and Health insurance
• Insurance quotes and comparisons
• Personalized insurance consulting
• Claims assistance and support

3. Service Areas

We are licensed to provide insurance services in the following states:

• North Carolina
• South Carolina
• Virginia
• Florida
• Louisiana
• Alabama
• Mississippi
• Ohio
• Tennessee

4. User Responsibilities

When requesting quotes or purchasing insurance, you agree to:

• Provide accurate and truthful information
• Update your information promptly when circumstances change
• Pay premiums in a timely manner
• Report claims honestly and promptly
• Comply with all policy terms and conditions

5. Insurance Quotes

Insurance quotes provided through our website or services are:

• Estimates based on the information you provide
• Subject to underwriting approval
• Valid for a limited time as specified
• Not a guarantee of coverage
• Subject to change based on final underwriting

6. Privacy and Data Protection

We are committed to protecting your personal information. Our use of your data is governed by our Privacy Policy. We maintain strict confidentiality of all client information and comply with all applicable privacy laws.

7. Limitation of Liability

While we strive to provide accurate information and excellent service, Pegram Insurance Agency:

• Does not guarantee specific coverage or rates
• Is not responsible for insurance carrier decisions
• Cannot guarantee claim outcomes
• Provides insurance products subject to carrier terms and conditions

8. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Pegram Insurance Agency and is protected by copyright laws.

9. Dispute Resolution

Any disputes arising from these terms or our services will be resolved through good faith negotiation. If necessary, disputes will be subject to arbitration in Charlotte, North Carolina.

10. Changes to Terms

We reserve the right to update these terms as needed. Changes will be posted on this page with an updated revision date.

11. Contact Information

For questions about these Terms of Service, please contact us:

• Phone: 888-563-4343 or 704-563-4343
• Website: www.pegramins.com
• Address: Charlotte, NC