Terms of Use
Purpose of Information on Website
The information contained herein is provided solely for general informational purposes and is not intended to be a contract, a solicitation or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions and exclusions applicable to the products and services described. Only the actual insurance policy or contract can provide the actual terms, language, coverage amounts, conditions, and exclusions. For complete descriptions of the terms, conditions and exclusions of insurance coverages or other products or services, please contact Teachers.com Insurance.
Underwriting Companies
Products and services referenced herein may not be available in all jurisdictions, nor in all underwriting companies. Below is a list of our underwriting companies with their respective principal places of business and other information:
Merastar Insurance Company
The Emelie Building
334 N. Senate Avenue
Indianapolis, IN 46204
NAIC # 31968
State of Domicile: Indiana
National Merit Insurance Company
1330 N. Washington Street
Spokane, WA 99201
NAIC # 39004
State of Domicile: Washington
Response Indemnity Company of California
5927 Priestly Drive,
Carlsbad, CA 92008
NAIC # 10970
State of Domicile: California
CA COA: 08784
Response Insurance Company
One East Wacker Drive
Chicago, IL 60601
NAIC # 43044
State of Domicile: Illinois
Response Worldwide Direct Auto Insurance Company
One East Wacker Drive
Chicago, IL 60601
NAIC # 20133
State of Domicile: Illinois
Response Worldwide Insurance Company
One East Wacker Drive
Chicago, IL 60601
NAIC # 26050
State of Domicile: Illinois
Unitrin Direct Insurance Company
One East Wacker Drive
Chicago, IL 60601
NAIC # 10226
State of Domicile: Illinois
Unitrin Direct Property & Casualty Company
One East Wacker Drive
Chicago, IL 60601
NAIC # 10915
State of Domicile: Illinois
Warner Insurance Company
One East Wacker Drive
Chicago, IL 60601
NAIC # 26085
State of Domicile: Illinois
Please be advised that, as part of the underwriting review and confirmation process, we may use consumer reports, which may include credit information, as well as claim history and driving record. You may request that teachers.com® provide the source of the consumer reports and their toll-free number so that you may verify and correct such information. Teachers.com® will tell you, at your request, whether or not a report was prepared. If a report was prepared, we will provide you with the source of the consumer reports and the toll-free number so that you can contact the consumer reporting agency if you believe any of the information was incorrect; you can also request a correction, amendment or deletion of the incorrect information.
Updating of Information on this Website
The information contained herein was believed to be accurate at the time it was posted. Teachers.com periodically updates the information on this website; however, its does not accept responsibility for the timeliness of the information at the time it may be accessed. Please note that the information contained in this website is subject to change without notice. Teachers.com intends to update the information contained on this website on a regular basis as warranted; however, there is no commitment to update any of the information contained herein.
External Links
Links to other Internet sites that are not maintained by teachers.com may be accessed through this website. Such external Internet addresses contain information created, published, maintained or otherwise posted by organizations and entities independent of teachers.com. Teachers.com is not responsible for the content of those sites nor does it approve, endorse or certify information available at any external site or linked addresses contained herein.
Copyright/Trademark
The terms teachers.com and Teachers.com Insurance, and the logos containing such terms, are service marks or trademarks of Kemper Direct Insurance Company.
Reproduction of Information Prohibited
The contents of this site are protected by applicable copyright laws. You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this website, without prior written permission of Kemper Direct Insurance Company. In addition, the term teachers.com or any logos of such entity or service marks may not be used in advertising or publicity pertaining to distribution of this or any other material without specific, written prior permission.
Limitation of Liability
THE INFORMATION CONTAINED HEREIN IS "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
In no event shall Kemper Direct Insurance Company, on behalf of teachers.com®, its affiliates, subsidiaries, or parent company be liable for any special, indirect, incidental or consequential damages or any other damages whatsoever resulting from or accompanying your use of this site. These include, without limitation, loss of use or data, loss of revenues or profits, failure of performance, in any action, whether based in contract, negligence or other tortious action, arising out of or in connection with the use of this site or performance of this information. In the event that certain states do not allow us to limit or exclude liability for incidental or consequential damages, our liability to you for all losses, damages, injuries and claims of any kind, whether the damages are claimed in contract, negligence or other tortious action, will be limited to the amount you have paid to access this site.
No part of this site may be reproduced without the express written permission of Kemper Direct.