Terms & Conditions

Last Updated: January 2026

1. Acceptance of Terms

Welcome to the website of MC Chicago Insurance ("Agency," "we," "us," or "our"), located at https://mcchicagoinsurance.com. By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use this website.

⚠️ 2. CRITICAL DISCLAIMER: INFORMATIONAL PURPOSES ONLY

PLEASE READ STRICTLY: The content provided on this website is for general informational and educational purposes only. It does NOT constitute a binding insurance contract, professional legal advice, or a guarantee of coverage.

No Guarantee of Accuracy: While we strive to keep information current (including 2026 updates), insurance laws, carrier guidelines, and policy forms change frequently. We do not warrant that the information on this site is error-free, complete, or current.
Carrier Authority: Final decisions regarding eligibility, premiums, and claims are made solely by the insurance carrier (e.g., Blue Cross, Travelers, Progressive), NOT by this website.
Coverage Variations: The coverages, limits, and exclusions depicted on this site are generic examples. Your actual coverage will depend on dozens of factors including your age, health history, driving record, credit score, claims history, and the specific policy language of the plan you purchase.
"As Is" Basis: A policy described as "Full Coverage" on this site may differ significantly from the "Full Coverage" offered to you by a carrier based on your risk profile.

CLIENT RESPONSIBILITY: It is your sole responsibility to read your official policy documents (Declarations Page and Policy Jacket) to understand your actual coverage. In the event of a discrepancy between this website and your official insurance policy, the official policy language shall always prevail.

3. NOT an Insurance Binder

NO COVERAGE IS BOUND ONLINE

Submission of an online form, application, email, or voicemail to MC Chicago Insurance does NOT constitute a binding confirmation of insurance coverage.

Written Confirmation Required: Coverage is strictly not effective until you receive a formal written binder or policy declaration from a licensed agent.
No Changes via Voicemail: You cannot add, change, or delete vehicles/drivers/coverage strictly by leaving a voicemail or sending an email. All changes must be confirmed in writing.

4. Accuracy of Quotes

Online quotes are estimates based on the information you provided. The final premium may differ based on:

Verification of driving records (MVR) and claims history (CLUE reports).
Property inspections (e.g., Roof age, 4-point inspections).
Credit-based insurance scores (where permitted by Illinois law).
Underwriting guidelines of the specific insurance carrier.

We reserve the right to correct any errors or omissions in the quotes provided.

5. Intellectual Property Rights

All content on this website (text, graphics, logos, images) is the property of or has been licensed to MC Chicago Insurance and is protected by United States copyright laws. You may not copy, reproduce, or distribute any content without our prior written consent.

6. User Conduct

By using this website, you agree to provide accurate and truthful information. You agree not to use this website for any unlawful purpose or in any way that could damage, disable, or impair the website.

7. Limitation of Liability

MC Chicago Insurance, its agents, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on any information provided herein. This includes, but is not limited to, damages from errors, omissions, interruptions, or delays in transmission.

8. Privacy Policy

Your use of this website is also governed by our Privacy Policy. We collect and use personal information in accordance with applicable Illinois and federal privacy laws. By using this website, you consent to such collection and use.

9. Third-Party Links

This website may contain links to third-party websites for your convenience. We do not endorse or control these external sites and are not responsible for their content, privacy policies, or practices.

10. Changes to Terms

We reserve the right to modify these Terms at any time without prior notice. Changes will be effective immediately upon posting to this website. Your continued use of the website following any changes constitutes acceptance of the revised Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved in the state or federal courts located in Cook County, Illinois.

12. Contact Information

If you have questions about these Terms and Conditions, please contact us:

MC Chicago Insurance
3945 W Devon Avenue
Chicago, IL
Phone: (224) 616-9430
Email: info@mcchicagoinsurance.com
Website: mcchicagoinsurance.com