Terms & Conditions

By using the Services and this website, you affirm that, (a) you are forming a binding contract with Constitution General Agency; (b) you will comply with the Terms set forth herein and all applicable local, state, national, and international laws, rules, and regulations; and (c) you understand that Constitution General Agency is protected by relevant trademark and copyright laws.
If you are using the Services on behalf of a business or other entity, you also affirm that you are authorized by the business or entity to grant all licenses set forth in these Terms and to agree to these Terms on behalf of the business or entity.

Constitution is a leading auto insurance provider based in the State of Texas, providing services across the country. Constitution is your solution for affordable auto insurance across the United States. We’re here for you at every step, whether you need to change your policy, add or remove a vehicle, report a claim, or make a payment online. Our staff has decades of experience in the auto insurance industry, working with individuals and corporations of varying sizes. We offer competitive insurance rates, responsive and courteous service, and fast claims processing. Above all, we offer you peace of mind, knowing that you are protected on the road. When you work with Constitution, you can rest easy knowing that you and your loved ones are covered.

To purchase Constitution General Agency Services, you will order from one of our subscription packages. By placing an order through our platform (Constitutionmga.com), you warrant and represent that you are legally competent and capable of entering into binding contracts, and are at least 18 years old. All purchases are subject to acceptance by us, and we will communicate
Constitution General Agency Terms of Service
such acceptance to you by sending you a confirmation email to confirm our binding of your policy. An agreement between you and us will only be formed when we send you the Order Confirmation Email.
You also understand and agree that you will not seek to modify your policy, cancel your policy, add coverages or otherwise enter into any agreements with us, other than through your agent or by calling us directly at 1-888-888-2600.

If you ordered a policy via the Constitutionmga.com website, if approved, Constitution General Agency will send you a confirmation email approving your order, and we will endeavor to put the policy in force on the date requested. If you specify no date, then the policy shall go into effect immediately upon receipt of the confirmation e-mail binding coverage. We do not authorize any agent to bind coverage without prior written approval from Constitution General Agency.

Our online insurance dashboard is the only place you need to go for information on your policy and claims. Use the online insurance dashboard to access all of your critical policy information. From the dashboard, you can also:
• Make a payment
• Submit a claim
• Check your claim status
It is easy to make payments online. It only takes a few minutes to login, view your statement, and pay online with any of our accepted payment methods. We have streamlined this system to make it a better experience for you. It is now the best it has ever been, and we are excited to share it with you.

Auto and casualty insurance is a way to protect you from the financial burdens that almost always accompany motor vehicle accidents. Depending upon the type of coverage you get, an auto insurance policy can cover the costs of damage to your vehicle and medical expenses that arise from injuries. It can also cover the costs of property damage and medical care for others involved in an accident, where you are found to be at fault. Some insurance policies will also cover the costs of repair or replacement of your own vehicle if it is vandalized, broken into or stolen. Constitution offers various combinations of coverages to fit your needs and budget.
Constitution General Agency Terms of Service
Finding the Right Combination of Coverages for You
In addition to the legally required minimum insurance in your state, you will also have the option of purchasing additional coverages for your auto policy. The following are common questions which might help you to decide what insurance coverages are best for you:
What coverages am I required by law to have?
Liability insurance is legally required in many U.S. states, including Texas. This insurance typically covers claims against you for personal injuries and property damage caused by you or an insured on your policy.
What if a motor vehicle accident is my fault, but I still want the damage to my vehicle to be covered by insurance?
You may want to consider Collision Coverage, which covers repairs to your vehicle, even when the driver of your vehicle was negligent.
Is there coverage for damage to my vehicle that results from something other than a motor vehicle collision, such as fires, floods, vandalism, natural disasters, flying rocks, objects thrown from other vehicles, and other unforeseeable events?
We recommend that you consider purchasing Comprehensive Coverage.
Can I get insurance that covers my medical bills or lost wages, if I am in a motor vehicle accident, regardless of who is at fault?
There are actually two coverages that might fit what you are looking for; however, note that each one has a policy limit that is usually much lower than liability limits. The first is Medical Payment Coverage (MPC). This typically provides coverage to the occupants of your car for medical expenses after an accident. The second is Personal Injury Protection Coverage (PIP), which covers medical expenses and typically provides coverage for lost wages. Make sure to ask your agent about both of these coverages.
Is there a coverage that will protect me if I am hit by a hit-and-run driver or a person who has no insurance?
Although they are violating the law, there are many drivers on the road who do not have any form of insurance. You may want to purchase Uninsured/Underinsured Motorist Coverage. Is there coverage for towing my vehicle?
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Yes. Ask your agent about Towing and Labor Coverage.
Is there coverage for vehicle rental when my vehicle is in the shop following an accident?
You may be interested in Rental Reimbursement Coverage.
What Does My Auto Insurance Policy Actually Cover?
Because policies vary, there is no single answer that would apply to everyone. If you have questions or are unsure about your policy’s coverage, please review your policy. This is the best way to understand your coverages. You may also call us toll-free at (888) 888-2600, to help guide you through your policy.
For more information please visit our website at the www.Constitutionmga.com.
All insurance coverages and policies discussed herein are subject to applicable deductibles, limits, conditions and exclusions. Please refer to your auto policy for your specific coverages.
What Constitution Auto Insurance Policies Do Not Cover
Your Constitution Auto Policy will have specific coverages, exclusions and conditions. It is important that you read the complete policy in order to be informed about all policy limitations, exclusions and conditions.

The Constitution General Agency logos, slogans, and any of Constitution General Agency's product or service names or slogans contained on this website are trademarks of Constitution General Agency. They may not be copied, imitated, or used, in whole or in part, without the prior written permission of Constitution General Agency or the applicable trademark holder. You may not use any metatags or any other "hidden text" utilizing "Constitution General Agency" or any other name, trademark or product or service name of Constitution General Agency without our prior written permission. Also, the look and feel of the Services, including all page headers, custom graphics, button icons, and scripts, are the service mark, trademark or trade dress of Constitution General Agency and may not be copied, imitated or used, in whole or in part, without our prior written permission. All other trademarks, registered trademarks, product names, and names or logos mentioned in the Services are the property of their respective owners. Reference to any products, services, processes or other information, by trade name,
Constitution General Agency Terms of Service
trademark, manufacturer, and Constitution General Agency, or otherwise, does not constitute or imply endorsement, sponsorship or recommendation thereof by us.

Following the Digital Millennium Copyright Act ("DMCA") and other applicable law, Constitution General Agency has adopted a policy of terminating, in appropriate circumstances, and in Constitution General Agency' sole discretion, users who are repeat infringers. Constitution General Agency may also, in our sole discretion, limit access to this website if you infringe any intellectual property rights of others, whether or not there is any repeat infringement.

If you believe that anything on this website infringes upon any copyright which you own or control, you may file a notification of such infringement with our Designated Agent as set forth below.
For the requirements of proper notification. Name of Designated Agent: Customer Service Representative Address: 4646 Wild Indigo St. Suite 120 Houston, Texas 77027 Telephone Number: (281) 822-8444 Fax Number: (832) 634-4788 E-Mail Address: underwriting@constitutionmga.com

Users may be given the opportunity to give feedback, post opinions or review certain products on this website. The following content standards apply to any and all User Content and conduct. User Content must not:
• Contain any dialogs which a reasonable person would consider defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory or otherwise objectionable;
• Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation or age;
• Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations, or that otherwise may be in conflict with these Terms of Service;
Constitution General Agency Terms of Service
• Be intended or likely to deceive any person;
• Promote any illegal activity, or advocate, promote or assist any unlawful act;
• Cause annoyance, inconvenience or needless anxiety or be likely to upset; embarrass alarm or annoy any other person.
• Be used to impersonate any person, or to misrepresent your identity or affiliation with any person or organization; or
• Involve commercial activities or sales, including without limitation contests, sweepstakes and other sales promotions, or advertising.

Our Sites and services are directed and available only to people residing in Texas. Our insurance policies are only available to residents of Texas. We do not represent that the services and contents will be available or applicable in other regions outside the Texas.

Our website uses cookies. Our cookies do not contain any personally identifiable information, but without them, some elements of our website may not function correctly. Cookies are a standard feature of modern web browsers. They are small files that are stored in your web browser and used to make websites work more efficiently.
Some of the cookies we use are essential for our website to function correctly. To maximize your online experience, we enable cookies on the site to help us understand how we can improve or analyze the success of promotions. For more information about our cookies policy, please visit our Cookies Policy page.

This website may contain links to third-party websites ("Other Sites") that are not under Constitution General Agency's control. Constitution General Agency makes no claim and accepts no responsibility regarding the quality, nature or reliability of the Other Sites that are accessible by hyperlinks from its Sites or link to its Sites. Constitution General Agency provides these links to you as a convenience and the inclusion of any link does not imply endorsement by Constitution General Agency of Other Sites or any association with the operators of such Other Sites. You are responsible for viewing and abiding by the privacy statements and terms of use posted at any third-party sites.

You agree to defend, indemnify, and hold harmless Constitution General Agency, our independent contractors, service providers, and consultant from and against any claims, damages, costs, liabilities, and expenses arising out of or related to; (a) any User Content or Submissions you provide, (b) your violation of these Terms, (c) your violation of any rights of another, or (d) your conduct in connection with the Services.

Constitution General Agency respects the privacy of children, and we are committed to complying with the Children's Online Privacy Protection Act (COPPA). This Children's Privacy Policy describes our practices concerning the collection of personal information from children under the age of 18. This site does not knowingly collect, use, or disclose personal information from children under the age of 18, without prior parental consent.

Due to language differences, advertising statements in Spanish may not accurately reflect the content of the insurance policy written in English. If there is a dispute regarding policy terms, the policy written in English will apply and is the legally binding policy.
THE MATERIAL ON THIS WEBSITE IS PROVIDED “AS IS.” EXCEPT AS EXPRESSLY PROVIDED TO THE CONTRARY IN WRITING, CONSTITUTION GENERAL AGENCY, MAKES NO WARRANTIES, EXPRESS OR IMPLIED, IN REGARD TO THE PROVISION OF THIS WEBSITE AND THE SERVICES CONTAINED IN THIS WEBSITE. THE SERVICES AND CONSTITUTION GENERAL AGENCY MATERIALS ARE PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. CONSTITUTION GENERAL AGENCY DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT AS TO THE SERVICES, INCLUDING THE INFORMATION, CONTENT, AND MATERIALS CONTAINED ON THIS WEBSITE. CONSTITUTION GENERAL AGENCY DOES NOT REPRESENT OR WARRANT THAT THE SERVICES OR CONSTITUTION GENERAL AGENCY MATERIALS ARE ERROR-FREE. WHILE CONSTITUTION GENERAL AGENCY ATTEMPTS TO MAKE YOUR ACCESS TO AND USE OF THE SERVICES SAFE, CONSTITUTION GENERAL AGENCY CANNOT AND DOES NOT REPRESENT NOR WARRANT THAT THE WEBSITE OR OUR SERVER(S) ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THEREFORE, YOU SHOULD USE INDUSTRY-RECOGNIZED SOFTWARE TO DETECT AND DISINFECT VIRUSES FROM ANY USE OF THE SITE.
Limitation of Liability
Constitution General Agency Terms of Service
CONSTITUTION GENERAL AGENCY WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT RESULT FROM YOUR USE OF ITS WEBSITE, INCLUDING DAMAGES OR INJURY CAUSED BY ANY USE OF THE WEBSITE, INABILITY TO USE OR MALFUNCTION OF THE WEBSITE, USE OF HYPERLINKS FROM ITS WEBSITE, ERRORS IN THE WEBSITE, OMISSIONS, DEFECTS, DELAYS, VIRUSES, GOING OFF LINE, SYSTEM DOWN TIME, REPAIRS, LINE FAILURE, OTHER PROBLEMS WITH THE WEBSITE, CONSEQUENTIAL DAMAGES, CONSEQUENTIAL LOSSES, INCIDENTAL DAMAGES, BUSINESS INTERRUPTION LOSS, OR YOUR BEING WITHOUT A COVERAGE DUE TO PROBLEMS ON THIS WEBSITE.
By providing materials on our website Constitution General Agency does not represent that the materials will remain available to you or that you qualify for any particular product.

"We use Twilio SMS or text messaging service. We send notifications as payment reminders, paperless notifications when new docs are created, rejected credit card notifications etc. If an insured opts in to receive text notifications, they would receive these as recurring messages. Msg and data rates may apply. The insured can opt-out of text notifications by calling customer service at (855) 441-2224 or by replying STOP to the notification text. Carriers are not liable for any delayed or undelivered messages."

You and Constitution General Agency agree that any dispute arising out of or related to these Terms or our Services is personal to you and Constitution General Agency and any dispute will be resolved solely through individual action, and will not be brought as class arbitration, class action or any other type of representative proceeding.

For any dispute pertaining to this website, over a matter not related to insurance coverage, claims, premiums, and policies, you agree to arbitrate such dispute and waive your right to a trial in a state, county, district or Federal court. In the event of a dispute, you agree to first contact Constitution General Agency and attempt to resolve the claim informally by sending a written notice of your claim (“Notice”) to Constitution General Agency by email at Underwriting@constitutionmga.com. The Notice must
• Include your name, residence address, email address, and telephone number;
• Describe the nature and basis of the claim; and
• Set forth the specific relief sought.
This is in subordinate to the Texas Insurance Code and does not waive any provision of the Texas Insurance Code.
If any portion of this Section is found to be unenforceable or unlawful for any reason, (a) the unenforceable or unlawful provision shall be severed from these Terms; (b) severance of the unenforceable or unlawful provision shall have no impact whatsoever on the remainder of these terms or the parties’ ability to compel arbitration of any remaining claims on an individual basis pursuant to these terms. If any part of these terms is found to prohibit an individual claim seeking
Constitution General Agency Terms of Service
public injunctive relief, that provision will have no effect to the extent such relief is allowed to be sought, and the remainder of these terms will be enforceable.

The terms and Agreement set forth herein shall be governed and construed in all respects by the laws of the State of Texas.

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

If any provision of these Terms shall be deemed unlawful, void, or, for any reason, unenforceable, then that provision shall not affect the validity and enforceability of the remaining provisions.

Copyright (c) 2020(s) Constitution General Agency website and services. Subject to the express provisions of these terms and conditions:
• We, together with our licensors, own and control all the copyright, trademarks, and other intellectual property rights in Constitution General Agency’s website and the Materials on our website; and
• All the copyright and other intellectual property rights in the Constitution General Agency website and the Materials on our site are reserved.
• You may not modify, republish, post or transmit any materials on this website, including materials you download, unless you first obtain our written consent.

If you have any questions about these Terms & conditions, please contact us by calling 1-888-888-2600 or e-mail us at Underwriting@Constitutionmga.com.