The material provided on the medadvantage.us website, including the information and any images incorporated in the site, is for your personal private, non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this website, including anything you download from the site unless you first obtain our consent. You agree not to engage in systematic retrieval of data or other content from medadvantage.us. We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission.
Due to possible linguistic differences, advertising statements in Spanish may not necessarily reflect the content of the policy written in English. In the event of a dispute concerning policy terms, the policy written in English will apply.
You must read the following two sections carefully.
LIMITATION OF LIABILITY
medadvantage will not be responsible for any damages or injuries that accompany or result from your use of its sites. these include (but are not limited to) damages or injury caused by any:
use of (or inability to use) the sites
use of (or inability to use) any site to which you hyperlink from its websites
Failure of performance
delay in operation or transmission
ine failure. we are not liable for any consequential or incidental damages, which are damages intended to compensate someone directly for a loss or injury, damages reasonably expected to result from a loss or injury, or other miscellaneous damages and expenses resulting directly from a loss or injury. furthermore, except as provided below, we are not liable even if we have been negligent or if our authorized representative has been advised of the possibility of such damages—or both.
however, in certain states where the law may not allow us to limit or exclude liability for these incidental or consequential damages, the above limitation may not apply, and you may have the right to recover these types of damages. in any event, our liability to you for all losses, damages, injuries and claims of any kind, whether the damages are claimed under the terms of a contract, or they are claimed to be caused by negligence or other wrongful conduct or any other legal theory, will not be greater than the amount you have paid to access our sites.
the material on our sites is provided as is. this means that medadvantage disclaims all express and implied warranties about the material in the sites. this includes, but it is not limited to, warranties that:
The material is of any particular level of quality or is fit for a particular purpose
That the functional elements contained in the materials will be uninterrupted or error-free
that defects will be corrected
That our sites or the servers that make them available are free of computer viruses or other harmful components or conditions
That information contained in the sites is accurate as of any particular date.
We sometimes provide access to other World Wide Websites from our sites, or you may have reached our site from another site. However, we do not endorse or approve any products or information offered to you at sites you may get from our sites or from which you may have reached our site. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still on the medadvantage site or have moved elsewhere.
By providing material on our website, medadvantage does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. medadvantage is entitled to terminate all or part of any of its Websites at any time, without notice to you.
When you select a password and sign-up to access medadvantage’s online policyholder services, you agree to the following conditions:
medadvantage is authorized to act on instructions received under your password without any requirement to question those instructions
medadvantage is not liable for any unauthorized access to your personal information that is not directly due to the negligence of medadvantage
Your password contains sensitive information, and you will keep it confidential and secret
You will notify medadvantage immediately if you believe anyone else has learned your password or if you believe an unauthorized access to medadvantage or your personal information has occurred or may occur.
medadvantage may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason. Still, we are under no obligation to do so.
Violating the Terms and Conditions of Website Use may lead to a revocation of medadvantage website access privileges.
medadvantage’s Digital Assistant is intended for informational purposes only. Any information provided is not intended as insurance advice and should not be interpreted as such. Any insurance decision, including coverage amounts, limits, and deductibles, is solely and ultimately the responsibility of the insured, and medadvantage is not liable for any information that is inaccurate, missing, or misinterpreted. The material contained within the Digital Assistant is subject to change at any time, and medadvantage makes no guarantee about the quality or accuracy of said content.
Unless otherwise specified, the materials in our site are presented to provide information about the Government Employees Insurance Companies (collectively “medadvantage”), our insurance products and the insurance business. medadvantage operates and controls its sites from the Company’s headquarters in Chevy Chase, Maryland, in the United States of America, and Maryland law shall govern and control any action concerning the medadvantage sites. We do not in any way imply that the materials on the sites or the products we discuss are available or for use outside the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an online request for a rate quote, you are confirming that you are not a resident in any such jurisdiction.
By using the medadvantage.us website, you agree to these Terms and Conditions of Website Use.
These Terms and Conditions of Website Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of Maryland, without giving effect to Maryland’s conflict of laws principles.
If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.
medadvantage may modify these Terms and Conditions of Website Use and the agreement they create, at any time, simply by updating this posting or the information on its website and without notice to you.
Government Employees Insurance Company and its affiliates medadvantage General Insurance Company, medadvantage Indemnity Company, medadvantage Casualty Company, medadvantage Advantage Insurance Company, medadvantage Choice Insurance Company, medadvantage Secure Insurance Company, Colonial County Mutual Insurance Company (non-affiliated) and medadvantage County Mutual Insurance Company insure private passenger automobiles and other vehicles; through medadvantage Insurance Agency, Inc. provide the homeowner and other types of insurance, all for qualified applicants. The companies market collectively under the trade name medadvantage.
Any dispute or claim relating in any way to your use of this website, including any related calls, texts or other communications, will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify. This includes claims against our clients, vendors, and Marketing Partners, which are third party beneficiaries, of the arbitration agreement. The Federal Arbitration Act and Federal Arbitration law apply to this agreement.
There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages) and must follow the terms of these terms as a court would.
The arbitration may be conducted by the American Arbitration Association (AAA) under its rules, including the AAA’s Supplementary Procedures for Consumer-Related Disputes. The AAA’s rules are available at www.adr.org or by calling 1-800-778-7879. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person in the county where you live or at another mutually agreed on location.
We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action. If, for any reason, a claim proceeds in court rather than in arbitration, we each waive any right to a jury trial. We also agree that you or we may bring suit in court to enjoin infringement or another misuse of intellectual property rights.
In the rate quote application, photos are of models; testimonials are from actual medadvantage policyholders.