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Terms & Conditions

Last Updated: May 26, 2024

Summary of Our Terms & Conditions

Company Licensing Information: The products described in this web site (this “Web Site”) are provided or serviced by one or more of the following:

Open Road Insurance, LLC: Open Road Insurance LLC is an insurance agency that sells and administers insurance policies with its principal place of business at 4514 Cole Ave, Suite 802, Dallas, TX 75205.

National Interstate Insurance Company: National Interstate Insurance Company is an OH domiciled property and casualty insurance company, authorized in all states and the D.C., with its principal place of business at 3250 Interstate Dr., Richfield, OH 44286, NAIC number 32620.

OpenRoad policies are underwritten by National Interstate Insurance Company, an authorized insurer in all 50 states and the D.C., and National Interstate Insurance Company of Hawaii, Inc., an authorized insurer in HI, MI, NJ, and OH, headquartered at 3250 Interstate Drive, Richfield, OH 44286. Coverage is summarized. Refer to the actual policy for a full description of applicable terms, conditions, limits and exclusions.

All insurance products referred to in this Web Site are subject to availability and qualifications. Not all companies are licensed in all jurisdictions. Not all products are available in all jurisdictions. The materials available through this Web Site do not constitute an offer of any product in any jurisdiction.

This Web Site is the property of Open Road Insurance LLC. Open Road Insurance, LLC (“OpenRoad”, “our”, “we” or “us”) welcomes you to our website, OpenRoadAutoInsurance.com. This page sets forth the terms and conditions under which OpenRoad provides the information on this Web Site, as well as the terms and conditions governing your use of the Web Site. By making use of this Web Site, you agree to be bound by the terms and conditions that appear here. These terms and conditions are subject to updating at any time without notice. Changes to the terms and conditions take effect when posted to the Web Site.

IF AT ANY TIME YOU DO NOT ACCEPT THE TERMS AND CONDITIONS, DO NOT ACCESS THE WEB SITE OR ANY OF ITS PAGES.

The OpenRoad Insurance website provides general information about our auto insurance products and services. The information on this website is for informational purposes only and does not constitute a contract or guarantee of coverage eligibility or savings. Program features, requirements, and coverage availability will vary by state. Insurance rates and coverage eligibility are determined based on a variety of criteria including but not limited to the specific vehicle, vehicle usage, vehicle value, and driver history. Policy terms and conditions, as outlined in your policy documents, prevail over any information on this website. Consult a licensed agent for personalized insurance guidance. OpenRoad Insurance is not liable for reliance on website information. By using this website, you acknowledge and agree to these terms.

You agree and acknowledge that by accessing the OpenRoad Website and related sub properties that these Terms create a legally binding agreement between you and OpenRoad, supported by reasonable and valuable consideration. You also promise that you have read all of these Terms and conditions carefully.

OpenRoad Online Service Terms & Conditions

Our website and digital platforms are ever-changing as we make enhancements and evolve our business. New products, services, and features will be launching all the time and we reserve the right to make changes, impose limits, and occasionally suspend or terminate certain offerings of features without notice.

By registering or using our website or digital platforms you fully agree to the following terms and conditions:

  • You can and are able to form a legally binding agreement. If you are not capable of forming a legally binding agreement, you may not use OpenRoad’s Online Services.
  • You agree to be personally and financially responsible for your account (if applicable) and to comply with your responsibilities and obligations as established in these Terms and in any policies or procedures posted on our website or digital platforms.
  • All information submitted to OpenRoad in connection our online services is accurate and complete. You agree to promptly update any information supplied to us or staff to ensure accuracy of information at all times.
  • You agree OpenRoad may contact you via the email address provided, subject to your communication preferences and the OpenRoad Privacy Policy.
  • Your account credentials such as your username, password, or other credentials must be kept private and secret. You must make OpenRoad aware if someone else has gained access to this information and/or your account.
  • You are responsible for any data that may be transmitted from your account or through other communication channels to OpenRoad. This includes personal information. OpenRoad is not liable and you will not attempt to hold OpenRoad liable for any loses you might suffer. You, however, may be liable for OpenRoad loses or others.
  • By using our online services, you grant OpenRoad permission to access your account, communication records, data, information, audio, video, or other materials transmitted to us by any channels available to you through our online services or through communication with our employees.
  • SMS Clause: You agree to receive customer care & account notifications for auto insurance transactions from Open Road Insurance. Message frequency varies. Message and data rates may apply. For help, reply HELP or email us at support@openroadinsure.com. You can opt out at any time by replying STOP." For additional information, see our privacy policy.

Copyright / Trademark: © Copyright 2024 Open Road Insurance LLC. All rights reserved. No part of the materials made available may be stored, recorded, reproduced, photocopied or transmitted, in any form or by any means without prior written approval. The service marks used within this Web Site are the property of Open Road Insurance, LLC, as well as the names of various products and services described within and offered by OpenRoad.

Dispute Resolution: ALL CLAIMS OR DISPUTES ARISING FROM OR RELATING TO THESE TERMS OF USE BETWEEN YOU AND OPEN ROAD INSURANCE LLC AND/OR THEIR RESPECTIVE OFFICERS, DIRECTORS, UNDERWRITING PARTNERS, EMPLOYEES, AGENTS, ASSIGNS, AFFILIATES, PARENTS, AND SUBSIDIARIES WILL BE SUBJECT TO BINDING ARBITRATION AND PRESIDED OVER BY AN ARBITER SELECTED BY THE AMERICAN ARBITRATION ASSOCIATION, AND SHALL BE RESOLVED EXCLUSIVELY AND FINALLY BY BINDING ARBITRATION IN DALLAS, TEXAS, WITH THE COSTS OF SUCH ARBITRATION BEING SHARED EQUALLY BY BOTH PARTIES.YOU AGREE THAT THE FEDERAL ARBITRATION ACT, APPLICABLE FEDERAL LAW, AND THE LAWS OF THE STATE OF TEXAS, WITHOUT REGARD TO PRINCIPLES OF CONFLICT OF LAWS, WILL GOVERN THESE TERMS OF USE.

Waiver of Class Action Rights: IN ANY DISPUTE THAT MAY ARISE BETWEEN YOU AND OPEN ROAD LLC OR ITS PARTNER NATIONAL INTERSTATE INSURANCE, NEITHER YOU NOR ANY OTHER PERSON SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS BY OR AGAINST OTHER AFFILIATES OR PERSONS, OR ARBITRATE ANY CLAIM AS A REPRESENTATIVE OR CLASS ACTION OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. YOU ACKNOWLEDGE THAT YOU ARE GIVING UP YOUR RIGHTS TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO ANY SUCH CLAIM.

Enforceability: Should any provision of these Terms of Use be held invalid, unlawful, or for any reason unenforceable, then the invalid, unlawful, or unenforceable provision shall be severable from the remaining provisions. Any such invalid, unlawful or unenforceable provisions will not affect the validity or enforceability of the remaining provisions.

Loss Prevention: The information presented in this Web Site is intended to provide guidance and is not intended as a legal interpretation of any jurisdictions’ laws, rules or regulations applicable to your business with OpenRoad. The loss prevention information provided is intended only to assist policyholders in the management of potential loss producing conditions involving their premises and/or operations based on generally accepted safe practices. In providing such information, Open Road Insurance LLC does not warrant that all potential hazards or conditions have been evaluated or can be controlled. It is not intended as an offer to write insurance for such conditions or exposures. The liability of Open Road Insurance LLC and its affiliated insurers is limited to the terms, limits and conditions of the insurance policies underwritten by any of them.

Products Availability: The information and descriptions of products and services contained in this Web Site are intended as general information and do not contain all the terms, conditions, limits and exclusions applicable to the products and services offered by Open Road Insurance LLC. Open Road Insurance LLC may make improvements and/or changes in the products, services and/or programs described on this Web Site at any time without notice.

None of the information and descriptions contained in this Web Site should be viewed as an offer to sell or as a solicitation to purchase any of Open Road Insurance LLC’s products or services. Availability of the products and services described varies by jurisdiction. This is not intended as a solicitation or offer to sell an insurance product in a jurisdiction in which the solicitation, offer, sale or purchase thereof would be unlawful.

This Web Site does not make any representation that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any such policy. Whether coverage exists or does not exist for any particular claim or loss under any such policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording. The precise coverage afforded is subject to the terms, conditions, limits and exclusions of the policies as issued and may vary from the general, summarized coverage descriptions in this Web Site. Refer to the actual policy for a full description of applicable terms, conditions, limits and exclusions. In the event of a discrepancy between the descriptions on the Web Site and the insurance policy, the insurance policy shall control.

Any claims scenarios included in this Web Site are provided to illustrate possible exposures faced by insureds. The facts of any situation which may actually arise, and the terms, conditions, exclusions, and limitations in any policy in effect at that time, are unique. No representation is made that any specific insurance coverage applies to the claims scenarios.

Nothing in this Web Site and/or made available through the products and services shall be considered or construed on the part of Open Road Insurance LLC as giving any advice in respect of shares, stocks, bonds, notes, interests, unit trusts, mutual funds or other securities, investments, loans, advances, credits, insurance or deposits in any jurisdiction.

This Web Site does not amend, modify or supplement any insurance policy. Your eligibility for particular products and services is subject to final determination of underwriting qualifications and acceptance by Open Road Insurance LLC and National Interstate Insurance.

Third Party Sites: This Web Site may contain links to other internet sites ("third-party sites") that are not maintained by Open Road Insurance LLC. These links are provided solely for your convenience. Open Road Insurance LLC makes no warranties or representations about and disclaims any responsibility for the contents of any products or services offered in such third-party sites. Any reference to a linked site or any specific product or service by name does not constitute or imply its endorsement by Open Road Insurance LLC.

Warranties Disclaimers: The materials contained in this Web Site and in linked sites directly or indirectly accessible from this Web Site are provided without warranties of any kind, either express or implied, including but not limited to all implied warranties of merchantability or fitness for a particular purpose, title or non-infringement. Open Road Insurance LLC does not guarantee the accuracy, completeness, timeliness or availability of the content of this Web Site or any portal or service promoted on this Web Site.

Submissions: All information that you submit to Open Road Insurance LLC via this Web Site shall be deemed, and remain, the property of Open Road Insurance LLC. To the extent any information submitted to Open Road Insurance LLC via this Web Site includes any intellectual property; you hereby assign it to Open Road Insurance LLC. Open Road Insurance LLC shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this Web Site provides through this Web Site. Open Road Insurance LLC shall not be subject to any obligations regarding such information except as expressly indicated in any applicable Privacy Statement(s) contained within the Web Site, agreed to by Open Road Insurance LLC, having the direct customer relationship with the person providing the information, otherwise specifically agreed to in a separate writing, or if required by law. You further recognize that Open Road Insurance LLC does not want you to provide, and prohibits you from providing, any information or material to Open Road Insurance LLC that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another person or entity. Open Road Insurance LLC reserves the right to refuse to post material on the Web Site or to remove material already posted on the Web Site.

Privacy: You agree that we may collect, use, and disclose the information you provide on this website in accordance with the terms of the Open Road Insurance LLC Privacy Policy.

Indemnity: To the fullest extent permissible by applicable law, you agree to indemnify and hold Open Road Insurance LLC, its officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from any demands, loss, liability, claims or expenses (including attorneys’ fees), made against Open Road Insurance LLC by any third party due to or arising out of, or in connection with, your use of the Web Site.

Termination: We may, in our sole discretion, terminate or suspend your access to all or part of this Web Site and its contents for any reason, including, without limitation, your breach of these Terms and Conditions.

Contact

Should you have any questions about these Terms & Conditions, email us at Privacy@openroadinsure.com or contact us using the information below.

Open Road Insurance LLC
4514 Cole Avenue
Suite 802 Dallas, TX 75205
1-866-952-7622