Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") govern your use of the website americantruckerbenefits.com and any related pages or services operated by American Trucker Benefits ("we," "us," or "our"). By accessing or using this website, you agree to these Terms in full. If you do not agree, please do not use our website.

We reserve the right to update these Terms at any time. Changes take effect when posted, and your continued use of the site constitutes acceptance of the revised Terms.

2. Nature of Our Service

American Trucker Benefits is an insurance marketing and comparison service. We are not an insurance company and do not underwrite, issue, or administer insurance policies.

Our website is designed to connect truck drivers and commercial transportation professionals with licensed insurance agents and carriers who can provide quotes and coverage options. When you submit your information through our site, it may be shared with one or more licensed insurance professionals who will contact you directly.

3. No Guaranteed Rates or Coverage

Any rate estimates, premium ranges, or benefit descriptions displayed on this website are for illustrative purposes only and are not binding quotes. Actual insurance premiums and eligibility are determined solely by the insurance carrier based on your individual application, underwriting criteria, state regulations, and other factors.

• We make no guarantee that you will qualify for any specific plan, rate, or coverage amount.
• Rates and plan availability vary by state, age, health status, and other factors.
• Any mention of specific dollar amounts (e.g., "$2/day") represents illustrative minimums and not a guaranteed price.

All final coverage decisions are made by licensed insurance carriers, not by American Trucker Benefits.

4. Informational Purposes Only

The content published on this website — including articles, FAQs, benefit descriptions, and educational material — is provided for general informational purposes only. It does not constitute legal, financial, medical, or professional insurance advice.

You should consult a licensed insurance professional before making any insurance purchasing decision. We encourage you to review all policy documents carefully before enrolling in any plan.

5. Your Responsibilities

By using this website and submitting information through our forms, you agree to:

• Provide accurate, truthful, and current information in all form submissions
• Not use this website for any unlawful purpose or in a way that violates applicable laws or regulations
• Not attempt to interfere with, disrupt, or damage the operation of the website or its servers
• Not submit false, misleading, or fraudulent information
• Take responsibility for any insurance decisions you make based on information obtained through this site

We reserve the right to refuse service or block access to users who violate these responsibilities.

6. External Links Disclaimer

Our website may contain links to third-party websites, including insurance carrier websites, government resources, and informational pages. These links are provided for your convenience only.

American Trucker Benefits does not endorse, control, or take responsibility for the content, privacy practices, or accuracy of any third-party website. Clicking an external link is done at your own risk, and you should review the terms and privacy policy of any external site you visit.

7. Intellectual Property

All content on this website — including text, graphics, logos, images, and design elements — is the property of American Trucker Benefits or its content suppliers and is protected by applicable copyright and trademark laws.

You may not reproduce, distribute, modify, or create derivative works of any content from this website without our prior written consent. Viewing and printing content for personal, non-commercial use is permitted.

8. Limitation of Liability

To the fullest extent permitted by applicable law, American Trucker Benefits, its officers, employees, agents, partners, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use this website
• Any reliance on information provided on this site
• Any insurance decisions made based on content found on this website
• Unauthorized access to or alteration of your information
• Any third-party conduct or content linked from this website

In no event shall our total liability to you exceed one hundred dollars ($100.00) or the amount you paid to use our services (if any), whichever is greater.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability, so the above limitations may not apply to you.

9. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We do not warrant that:

• The website will be uninterrupted, error-free, or secure
• Any information on the site is accurate, complete, or current
• The website is free of viruses or other harmful components

Your use of the website is at your sole risk.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Florida.

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

11. Indemnification

You agree to indemnify and hold harmless American Trucker Benefits, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of the website, your violation of these Terms, or your violation of any rights of a third party.

12. Changes to These Terms

We may modify these Terms at any time by posting the revised version on this page with an updated effective date. Your continued use of the website after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically.

13. Contact Us

If you have questions about these Terms of Service, please contact us:

• Email: info@americantruckerbenefits.com
• Website: americantruckerbenefits.com