Policy Holders

Below are conditions and events your Auto Insurance Policies are not likely to cover;, please read them to understand your rights:

• Accidents that occur while you are a driver for a ride-hailing service like Uber or Lyft;

• Accidents occurring while you are delivering food or other items in exchange for payment;

• Accidents that happen while you are driving any vehicles you don’t own and don’t have explicit permission to operate;

• Accidents that occur outside the United States;

• Accidents that occur while driving a company car;

• Accidents that occur on a racetrack during a sanctioned racing event;

• Damages that you cause on purpose, like brake-checking, bumping, or ramming other vehicles or property of any kind;

• Property inside your vehicle that are not a permanent part of the vehicle, including aftermarket radios, stereos, and external navigation devices.

At Constitution General Agency we do not offer refunds, for our services. Nevertheless, as a customer friendly organization, we are happy to evaluate any claims or requests you made.

Please read the following section carefully because it requires you to Arbitrate certain disputes and claims with Constitution General Agency and limits the manner in which you may seek relief, unless you opt out of arbitration by following the instructions set forth below. No class or representative actions or arbitrations are allowed under this arbitration agreement. In addition, arbitration precludes you from suing in court or having a jury trial.

Constitution General Agency reserves the right, without notice and in our sole discretion, to terminate your license or authorization to use the Services, and to block or prevent your future access to, and use of, the Services.