Last Updated: December 22, 2025
Welcome to Hiney Insurance. By accessing our website, requesting a quote, or using our services, you agree to comply with and be bound by the following Terms & Conditions. Please read these terms carefully before using our services.
By using this website or engaging with our services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, as well as our Privacy Policy. If you do not agree with any part of these terms, you must discontinue use of our website and services immediately.
To use our services, you must:
Hiney Insurance provides auto insurance quotes, policy recommendations, and related services. We act as an intermediary between you and insurance carriers. We do not underwrite insurance policies ourselves but work with licensed insurance companies to help you find the right coverage.
When you request a quote through our website or by contacting our team, you authorize us to use the information you provide to obtain quotes from insurance carriers. Quotes are estimates and not guarantees of coverage or final pricing.
Hiney Insurance does not guarantee that you will qualify for insurance coverage. Approval is subject to underwriting by the insurance carrier, and factors such as driving history, credit score, and vehicle type may affect eligibility and pricing.
When using our services, you agree to:
If you purchase an insurance policy through Hiney Insurance, you agree to pay all premiums, fees, and charges associated with your policy. Payment terms are determined by the insurance carrier and outlined in your policy documents.
You are responsible for making timely premium payments. Failure to pay premiums may result in policy cancellation or lapse of coverage. We are not responsible for missed payments or coverage gaps.
Refund policies are determined by the insurance carrier. If you cancel your policy, any refund eligibility will be governed by the terms of your insurance contract.
All content on this website, including text, graphics, logos, images, and software, is the property of Hiney Insurance or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our express written permission.
Our website may contain links to third-party websites for your convenience. We are not responsible for the content, privacy practices, or terms of use of these external sites. Accessing third-party links is at your own risk.
To the fullest extent permitted by law, Hiney Insurance and its affiliates, employees, agents, and partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:
You agree to indemnify, defend, and hold harmless Hiney Insurance and its affiliates from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from your use of our services, violation of these terms, or infringement of any third-party rights.
Any disputes arising from these Terms & Conditions or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to participate in class-action lawsuits or class-wide arbitration.
These terms are governed by the laws of the State of Montana, without regard to its conflict of law principles. Any legal action or proceeding shall be brought exclusively in the courts located in Missoula County, Montana.
Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to the practices described in our Privacy Policy.
Hiney Insurance reserves the right to modify these Terms & Conditions at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the revised terms.
We reserve the right to suspend or terminate your access to our website and services at any time, without notice, if we believe you have violated these terms or engaged in fraudulent or unlawful activity.
If any provision of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms & Conditions, along with our Privacy Policy, constitute the entire agreement between you and Hiney Insurance regarding your use of our services and supersede any prior agreements or understandings.
If you have any questions or concerns about these Terms & Conditions, please contact us:
Hiney Insurance
127 N Higgins Ave, Missoula, MT 59802
Email: [email protected]
Phone: +1 (406) 692-8761
Thank you for choosing Hiney Insurance. We are committed to providing you with transparent, reliable auto insurance services.