Terms and Conditions

civilcarcoverage.com, operated by Mulligan Man Media LLC, 1401 Pennsylvania Ave Ste 105, Wilmington, DE 19806, is an advertising and referral service. We collect the details you enter and pass them to licensed insurance carriers, agents, and marketing partners who may contact you with quotes.

We are not an insurance company, agency, or broker. We do not underwrite policies, bind coverage, handle claims, or give insurance, legal, or financial advice. Any policy you buy is a contract between you and the carrier that issues it.

You must be at least 18 years old and a United States resident legally able to enter into contracts. By using the site you represent that you meet those requirements.

You agree that the information you submit is accurate, complete, and your own. Quotes are generated from what you tell us; inaccurate answers produce inaccurate quotes, and a carrier may change or withdraw a quote once it verifies your details.

By submitting a quote request you may consent to be contacted by the carriers and partners we match you with, including by autodialed or prerecorded calls and text messages to the number you provide. That consent is not a condition of purchasing anything, and you may withdraw it at any time as described in our Privacy Policy.

Rates, savings figures, carrier names, and coverage options shown on this site are illustrative. They are not offers of insurance and not a guarantee that any carrier will quote or insure you. Your actual premium depends on carrier underwriting, the accuracy of your information, and applicable state regulation. Savings vary and are not guaranteed.

We do not control the carriers, agents, partners, or websites we refer you to, and we are not responsible for their products, pricing, conduct, or privacy practices. A referral is not an endorsement or a recommendation that a particular policy is right for you.

You agree not to:

• Submit false, misleading, or another person’s information.
• Use the site for any unlawful purpose or in violation of these terms.
• Scrape, copy, or harvest content or data from the site by automated means.
• Interfere with the operation or security of the site, or attempt to gain unauthorized access to it.

The content, design, and trademarks on this site belong to us or our licensors and are protected by law. You may view and print pages for your own personal, non-commercial use; any other use requires our written permission.

The site is provided on an “as is” and “as available” basis without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or that the information on it is accurate or complete.

To the fullest extent permitted by law, neither we nor our officers, employees, or partners are liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits or lost data, arising out of your use of the site or any referral made through it. Some states do not allow these limitations, in which case they apply to the greatest extent the law permits.

You agree to indemnify and hold us harmless from any claim, demand, loss, or expense, including reasonable legal fees, arising out of your use of the site, the information you submit, or your breach of these terms.

These terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. Any dispute will be brought in the state or federal courts located in Delaware, and you consent to their jurisdiction.

We may revise these terms at any time. The revised version takes effect when posted, and the date at the top of this page shows when it last changed. Continuing to use the site means you accept the current version.

Questions about these terms can be sent to:

Mulligan Man Media LLC, 1401 Pennsylvania Ave Ste 105, Wilmington, DE 19806