Last Updated: December 29, 2025
Welcome to Hauptly Insurance. These Terms of Service govern your use of our website, products, and services. By accessing our website or purchasing an insurance policy from us, you acknowledge that you have read, understood, and agree to be bound by these terms. If you do not agree with any part of these terms, please do not use our services.
By accessing or using Hauptly Insurance services, you acknowledge that you have read, understood, and agree to comply with these Terms of Service. These terms constitute a legally binding agreement between you and Hauptly Insurance.
We reserve the right to update or modify these terms at any time without prior notice. Your continued use of our services after any changes indicates your acceptance of the updated terms. It is your responsibility to review these terms periodically.
To purchase auto insurance from Hauptly Insurance, you must meet the following requirements:
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other security breach.
When you apply for an auto insurance policy through Hauptly Insurance, you agree to provide truthful, accurate, and complete information about yourself, your driving history, and the vehicle you wish to insure. Misrepresentation or omission of material facts may result in policy cancellation or denial of claims.
Your insurance policy consists of the policy declarations, the coverage form, endorsements, and these Terms of Service. All policy documents together form the complete contract between you and Hauptly Insurance. You should read all policy documents carefully and contact us if you have questions.
We offer various types of auto insurance coverage including liability coverage, collision coverage, comprehensive coverage, uninsured motorist coverage, and roadside assistance. The specific coverage you receive depends on the policy you purchase and the options you select.
Your policy will include specific coverage limits and deductibles that you select during the application process. You are responsible for understanding these limits and for any costs that exceed your coverage limits or fall below your deductible amount.
You agree to pay all premiums when due according to the payment schedule outlined in your policy. Failure to pay premiums may result in policy cancellation or lapse of coverage. We accept various payment methods including credit cards, debit cards, and electronic bank transfers.
If you elect to enroll in automatic payments, you authorize Hauptly Insurance to charge your designated payment method on the scheduled payment dates. You are responsible for ensuring sufficient funds are available. You may cancel automatic payments at any time by contacting us.
If your payment is not received by the due date, we may provide a grace period during which your coverage remains in effect. However, coverage will be terminated if payment is not received by the end of the grace period. Late fees may apply to overdue payments.
If you cancel your policy before the end of the policy term, you may be entitled to a refund of unearned premium, subject to any applicable cancellation fees. Refunds are calculated on a pro-rata basis based on the unused portion of your policy term.
You must report all accidents and claims to Hauptly Insurance as soon as reasonably possible. Delays in reporting may affect your claim. You can report claims through our website, by phone, or through our mobile application.
You agree to cooperate fully with our claims investigation process. This includes providing all requested documentation, making yourself available for interviews, and authorizing us to obtain relevant records. Failure to cooperate may result in denial of your claim.
We reserve the right to investigate all claims thoroughly. This may include reviewing police reports, interviewing witnesses, inspecting damaged property, and conducting other investigative activities as necessary to determine coverage and liability.
If we deny your claim, we will provide written explanation of the reasons for denial. You have the right to appeal our decision by submitting additional information or documentation that supports your claim. Appeals should be submitted in writing within the timeframe specified in your denial letter.
You may request changes to your policy at any time, including adding or removing coverage, changing deductibles, adding or removing vehicles, or adding or removing drivers. Some changes may result in an adjustment to your premium. Changes become effective upon our approval and written confirmation.
We reserve the right to modify your policy terms, coverage, or premium at renewal. We will provide advance written notice of any material changes. If you do not agree to the changes, you may cancel your policy before the renewal date.
You may cancel your policy at any time by providing written notice to Hauptly Insurance. The cancellation will be effective on the date specified in your notice or upon our receipt of the notice, whichever is later. You may be entitled to a refund of unearned premium.
We may cancel your policy for reasons permitted by law, including non-payment of premium, material misrepresentation, fraud, or substantial increase in hazard. We will provide advance written notice as required by applicable law before cancelling your policy.
As a policyholder, you agree to the following obligations:
You may use our website to obtain information about our services, request quotes, purchase policies, manage your account, and file claims. You agree to use the website only for lawful purposes and in accordance with these terms.
You agree not to engage in any of the following prohibited activities:
You are responsible for maintaining the security of your account login credentials. Do not share your password with others. You agree to notify us immediately if you suspect any unauthorized access to your account.
All content on the Hauptly Insurance website, including text, graphics, logos, images, software, and other materials, is the property of Hauptly Insurance or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not copy, reproduce, modify, distribute, display, perform, or create derivative works from any content on our website without our prior written permission. You may print or download content for your personal, non-commercial use only.
Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference. By using our services, you consent to our collection and use of your information as described in our Privacy Policy.
We implement reasonable security measures to protect your personal information. However, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security of your information.
Our website may contain links to third-party websites or services that are not owned or controlled by Hauptly Insurance. We are not responsible for the content, privacy policies, or practices of any third-party websites or services.
You acknowledge and agree that Hauptly Insurance shall not be responsible or liable for any damage or loss caused by or in connection with your use of any third-party websites or services.
To the maximum extent permitted by law, Hauptly Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:
Our total liability to you for all claims arising from or relating to these terms or our services shall not exceed the amount of premiums you have paid to us in the twelve months preceding the claim.
You agree to indemnify, defend, and hold harmless Hauptly Insurance and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with:
If you have a dispute with Hauptly Insurance, you agree to first contact us to attempt to resolve the dispute informally. We are committed to working with you to reach a fair resolution.
If we cannot resolve a dispute through informal means, you agree that any dispute, claim, or controversy arising out of or relating to these terms or our services shall be resolved through binding arbitration rather than in court, except that you may assert claims in small claims court if your claims qualify.
You agree that any arbitration or proceeding shall be limited to the dispute between you and Hauptly Insurance individually. To the full extent permitted by law, no arbitration or proceeding shall be joined with any other, no dispute shall be arbitrated on a class-action basis, and you waive any right to participate in a class-action lawsuit or class-wide arbitration.
These Terms of Service and any dispute arising out of or related to these terms or our services shall be governed by and construed in accordance with the laws of the state of Louisiana, without regard to its conflict of law provisions.
Any legal action or proceeding arising under these terms shall be brought exclusively in the courts located in Baton Rouge, Louisiana, and you consent to the personal jurisdiction of such courts.
If any provision of these Terms of Service is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these terms unenforceable or invalid as a whole. Such provisions shall be deleted without affecting the remaining provisions.
These Terms of Service, together with our Privacy Policy and any policy documents you receive, constitute the entire agreement between you and Hauptly Insurance regarding your use of our services and supersede all prior agreements and understandings, whether written or oral.
You may not assign or transfer these Terms of Service or your rights under these terms without our prior written consent. We may assign or transfer these terms without restriction. Any attempted assignment in violation of this section shall be void.
Our failure to enforce any right or provision of these Terms of Service shall not be deemed a waiver of such right or provision. Any waiver of any provision of these terms will be effective only if in writing and signed by an authorized representative of Hauptly Insurance.
Hauptly Insurance shall not be liable for any failure or delay in performance under these Terms of Service due to causes beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.
If you have any questions or concerns about these Terms of Service, please contact us. We are here to help and will respond to your inquiry as quickly as possible.