1. Who We Are
BadDrivingRecord.com is owned and operated by:
We are a licensed insurance agency. When you submit a quote request through this Website, BadDrivingRecord.com collects your information and provides it to BadDrivingRecord.com Insurance Services Inc, which prepares the insurance quotes. If you purchase a policy, it is written and serviced under BadDrivingRecord.com Insurance Services Inc, subject to state licensing and carrier approval. We bind the policy for you and we would be your agent of record (Insurance Agent). This is not a lead generation site that sells your information to insurance companies or other insurance agents. BadDrivingRecord.com Insurance Services is owned by Morrison Insurance Services Inc, a former franchisee of a major franchise. Morrison Insurance Services has been operating for over 11 years and specializes in high risk auto insurance, SR-22 Insurance, and FR-44 Insurance.
We combined 4 websites to create BadDrivingRecord.com. Those websites were:
All these websites have become a part of the BadDrivingRecord.com family and now redirect to this website, and we have since expanded into six states.
We are currently licensed to sell insurance in:
Availability of specific products and services may vary by state and by carrier. See the Verify Our Licensing section below.
2. Eligibility
By using this Website, you represent and warrant that:
3. Website for Information & Quote Requests Only
The Website is provided for general informational purposes about insurance products and services, and for allowing you to request insurance quotes.
No coverage is bound through the Website. We must bind coverage over the phone with you.
Submitting information through the Website does not bind coverage, guarantee that coverage will be issued, or guarantee that a particular rate or quote will be available.
Coverage is bound only when confirmed by an authorized representative of BadDrivingRecord.com Insurance Services Inc. and/or the issuing carrier, subject to underwriting and applicable law.
4. Quotes Not Guaranteed / Subject to Underwriting
Any quotes generated or discussed based on information you provide are estimates only, are subject to change, and depend on underwriting review, verification of your information, and carrier guidelines.
Carriers and agencies may refuse to issue a policy, adjust premium, or impose conditions based on underwriting criteria, driving record, state regulations, and other factors.
5. Your Responsibilities
You agree that all information you submit via the Website or otherwise provide to us is true, accurate, and complete to the best of your knowledge, and that you will promptly update us if any information changes or is found to be inaccurate.
Providing false, incomplete, or misleading information may result in:
6. No Legal, Tax, or Professional Advice
The content on this Website is for general informational purposes only and does not constitute legal advice, tax advice, financial advice, or professional advice of any kind. You should consult with appropriate professionals regarding your specific situation.
7. Intellectual Property
All content on the Website—including text, graphics, logos, icons, images, and layout—is the property of Morrison Insurance Services Inc. or its licensors and is protected by applicable intellectual property laws.
View and print content for your personal, non-commercial use in connection with obtaining insurance information or quotes.
Copy, reproduce, modify, distribute, transmit, display, perform, publish, license, create derivative works from, or sell any content without our prior written permission.
8. Acceptable Use and Prohibited Activities
You agree not to:
We reserve the right to terminate or restrict your access to the Website for any violation of these Terms.
9. Third-Party Links and Services
The Website may contain links to third-party websites, including insurance carrier portals and other resources. These websites are not controlled by us, and we are not responsible for their content, privacy practices, or terms of use. Your interactions with third-party websites and services are solely between you and those third parties.
10. Communications, Phone Calls, and SMS/Text (TCPA Consent)
By providing your phone number and submitting a quote or contact request through this Website, you expressly consent to being contacted by BadDrivingRecord.com Insurance Services Inc for purposes related to your insurance inquiry, including insurance quotes, policy options and recommendations, follow-ups and clarifications, and service-related notifications and renewal reminders.
Contact methods may include phone calls and SMS/text messages.
Message and data rates may apply. You may opt out of SMS/text messages at any time by replying "STOP" to any message.
We do not use autodialers or artificial/prerecorded voice messages for marketing to your mobile device. Consent is not a condition of purchasing goods or services.
11. Disclaimer of Warranties
To the fullest extent permitted by law, the Website and all content, materials, and services provided through it are provided on an "AS IS" and "AS AVAILABLE" basis, without any warranties of any kind, express or implied.
We do not warrant that:
12. Limitation of Liability
To the fullest extent permitted by law, BadDrivingRecord.com Insurance Services Inc., and their owners, officers, employees, contractors, and agents shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or relating to your use of the Website, your inability to use the Website, or any quotes or information obtained through the Website.
Our total liability for any claim arising from or related to your use of the Website shall not exceed the greater of (a) $100 or (b) the amount you paid us, if any, for services directly through this Website.
Some jurisdictions do not allow limitations on certain damages; in such jurisdictions, our liability will be limited to the maximum extent permitted by law.
13. Indemnification
You agree to indemnify, defend, and hold harmless Morrison Insurance Services Inc., BadDrivingRecord.com Insurance Services Inc, and their respective owners, officers, employees, agents, and contractors from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to:
14. Arbitration and Governing Law
These Terms and any dispute arising out of or relating to your use of the Website shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.
Except where prohibited by law, any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Website shall be resolved by binding arbitration on an individual basis, rather than in court, and shall be administered by a recognized arbitration provider under its applicable rules.
Nothing in this section prevents you or us from seeking injunctive or equitable relief in court for misuse of intellectual property or violation of confidentiality. If any part of this arbitration provision is found unenforceable, the remaining portions shall remain in effect to the fullest extent permitted by law.
15. Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the "Effective Date" at the top of this page. Your continued use of the Website after any changes are posted constitutes your acceptance of the updated Terms.
16. AI-Assisted Features and Ask Garrick
Some pages include a prewritten Ask Garrick demonstration. It is illustrative website content, not a live or personalized conversation. If BadDrivingRecord.com offers an interactive Ask Garrick or another AI-assisted feature, the interface will identify it as AI before you submit information.
AI-assisted features may answer general questions, collect information, or provide preliminary quote-related guidance. AI output can be incomplete, inaccurate, or outdated and is not a substitute for confirmation from a licensed insurance professional or carrier. Do not rely on AI output as the sole basis for selecting coverage, meeting a deadline, filing a document, or making an insurance, legal, or financial decision.
An AI-assisted feature cannot bind, issue, change, renew, or cancel coverage. No AI response, conversation, estimate, or preliminary quote-related information creates coverage, changes a policy, constitutes a binder or endorsement, or confirms acceptance by an insurer. Coverage exists or changes only when confirmed through the authorized BadDrivingRecord.com or carrier process and all required conditions are satisfied.
For urgent matters, cancellations, policy changes, filing deadlines, proof of insurance, or confirmation of coverage, contact BadDrivingRecord.com or the applicable carrier directly instead of relying on an AI feature.
Information submitted through an interactive AI feature is handled as described in our Privacy Policy. You may submit only information you have the right to provide. You may not use an AI feature to transmit unlawful content, malicious code, or another person's personal information without authorization.
Interactive AI features may have message, session, frequency, or other reasonable usage limits. We may restrict access to maintain availability or security, enforce those limits, or prevent misuse. A usage limit or interruption does not extend a deadline or create, continue, or modify insurance coverage.
17. Contact Information
If you have any questions about these Terms, please contact:
Verify Our Insurance Licensing
BadDrivingRecord.com Insurance Services Inc. is licensed in the states listed below. You can verify our agency license status directly through each state's official insurance license lookup website. When searching, type in BadDrivingRecord.com.
