Important Notice

By using this website in any manner (whether browsing, registering, following a link, sending an e-mail to an ipacc.com e-mail address, or using any other content or materials on this website), you agree to all terms and conditions contained or referenced in these Terms of Use. These Terms of Use apply only to your use of www.KarrInsurance.com and do not change or alter any other agreement or contract between you and Karr Insurance Group, LLC.
Karr Insurance Group, LLC reserves the right, in its sole discretion, to modify or change these Terms of Use at any time without prior notice to you. Pricing and Benefits are subject to change. Your continued use of www.karrInsurance.com following the posting of any changes to the Terms of Use constitutes acceptance of those changes.
If at any time you choose not to accept these Terms of Use, please do not use this Web site.

Jurisdictional Statement

This Web site is controlled, operated and intended for use only in the United States of America. We do not represent that materials on this Web site are appropriate or made available for use outside of the United States of America.

Privacy Policy

Karr Insurance Group, LLC recognizes the importance of safeguarding the private information we collect. If you have any questions about our Privacy Policy, you can write to us or contact us.

Our Policy
The information that is obtained about you and your property is only used for the purpose of establishing, maintaining, and providing insurance protection for you and/or your property.  Your information is never sold to anyone.  Karr Insurance Group, LLC and its employees disclose personal information only as required by law or with your permission.  We disclose or report personal information in limited circumstances where we believe in good faith that disclosure is required by law, to cooperate with regulators or law enforcement authorities, or to protect our rights or property.  Our internal policies protect your personal information and it will be used only in the scope of which it was originally obtained.  Furthermore, information may be shared with affiliated insurance companies, inspectors, and other associates involved with the services being provided.  We limit the collection and use of the information gathered to what is necessary to operate our business and provide services to you.  Information that is provided to our affiliates is then protected under their specific Privacy Policy which you already have or will receive shortly.  Your personal information is reasonably accessible by you, most of it being information you originally provided to us through applications, endorsements, and questionnaires.

Links to Other Web Site

This Web site may contain links to other sites. Karr Insurance Group, LLC provides links to other sites as a convenience to persons who visit the Web site. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may, on an individual or aggregated basis, be shared with us). Please be aware that Karr Insurance Group, LLC is not responsible for the privacy practices of those sites, even though our name or logo may appear on those sites. We encourage you to be aware when you leave our site and to read the privacy policies of each and every Web site that you visit, as the privacy policies of those sites may differ from ours. Our Privacy Statement applies solely to this Web site. Karr insurance Group,LLC is not responsible for the contents of any linked site or any link contained in a linked site.

Terms and Conditions                                      

By using the web site, you agree to be bound by all of the terms in this Terms and Conditions agreement. We may change the terms in this Agreement. When the terms are changed, the changes will appear in this document. By using the web site after any change in the Agreement is posted, you agree to be bound by all of the changes as well. You should consult this page each time you access the web site.

Any indication of rates provided are subject to underwriting, verification of information and acceptance by the insurance company. The information you provide will only be used for the purpose of providing an indication of available coverage and premium from our independent insurance companies. No coverage or coverage limits are implied and there is no obligation to you, our agency or the insurance companies we represent. Licensed to sell insurance in the State of Illinois.  We may check many insurance companies for additional quotes. In connection with this insurance rate quote and any renewal of insurance, some insurance companies  may obtain or use a credit-based insurance score based on the information contained in your credit report. They may use a third party in connection with the development of your insurance score.

DUE TO THE NUMBER OF SOURCES FROM WHICH INFORMATION ON THIS WEB SITE IS OBTAINED, AND THE INHERENT HAZARDS OF ELECTRONIC DISTRIBUTION, THERE MAY BE DELAYS, OMISSIONS OR INACCURACIES IS SUCH INFORMATION AND THE WEB SITE. WE AND ARE AFFILIATES, AGENTS AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE NEWS AND INFORMATION AVAILABLE THROUGH THE WEB SITE, OR THE WEB SITE ITSELF. NEITHER WE NOR ANY OF ITS AFFILIATES, AGENTS OR LICENSORS SHALL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY CAUSED IN WHOLE OR PART BY ITS NEGLIGENCE OR CONTINGENCIES BEYOND ITS CONTROL IN PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING THE WEB SITE AND ANY NEWS AND INFORMATION THROUGH THE WEB SITE. IN NO EVENT WILL WE AND ARE AFFILIATES, AGENTS OR LICENSORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON SUCH INFORMATION OR FOR ANY CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU AGREE THAT THE LIABILITY OF OUR AGENCY AND ITS AFFILIATES, AGENTS AND LICENSORS, IF ANY, ARISING OUT OF ANY KIND OF LEGAL CLAIM (WHETHER IN CONTRACT, TORT OR OTHERWISE) IN ANY WAY CONNECTED WITH THE SERVICE OR THE INFORMATION IN THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US FOR USE OF THE SERVICE. WE MAY DISCONTINUE THE WEB SITE, OR ITS AVAILABILITY TO YOU, AT ANY TIME WITHOUT NOTICE. THIS AGREEMENT IS PERSONAL TO YOU, AND YOU MAY NOT ASSIGN YOUR RIGHTS OR OBLIGATIONS TO ANYONE. IF ANY PROVISION OF THIS AGREEMENT IS INVALID UNDER APPLICABLE LAW, THE REMAINING PROVISIONS WILL CONTINUE IN FULL FORCE AND EFFECT. THIS AGREEMENT, ALL INTELLECTUAL PROPERTY ISSUES, AND YOUR RIGHTS AND OBLIGATIONS SHALL BE GOVERNED BY THE LAWS OF THE UNITED STATES OF AMERICA AND THE STATE OF ILLINOIS GOVERNING CONTRACTS WHOLLY ENTERED INTO AND WHOLLY PERFORMED WITHIN ILLINOIS. 


Referrals: The PERSON referring the auto insurance prospect to this website and company is NOT a representative nor employee of Karr Insurance Group, LLC, American Access or any other company represented. The Person referring the prospect may only recommend the website but can not recommend insurance coverage, insurance limits, or other insurance related information. The Person referring the prospect can not take a payment for the insurance companies or make a payment to the insurance companies for the prospected customer. The prospect/title holder of the vehicle being insured makes all the decisions in regard to his or her own insurance needs. The prospect/title holder of the vehicle is solely responsible, if accepted by underwriting, in activating the policy and for direct payment to the insurance companies via phone, mail or this website. 


The Producer/ Broker shall have no authority to alter or to make any changes in the terms and conditions of any policy of insurance issued or offered by the insurer. Producer/Broker is solely responsible for assessing insured coverage needs upon submission of new business. In the event of an unauthorized binder or other unauthorized statement of coverage by Producer/ Broker, Producer/Broker shall and will at all times indemnify and keep indemnified Company from and against any and all liability, claims, demands, losses, damages, costs, counsel fees, judgments, and expense of whatever kind or nature that Company shall or may for any cause at any time sustain by reason of such unauthorized binder. The Producer/ Broker shall be responsible for collecting payment of all earned premiums from the insured. All applications for insurance must be complete and submitted with the correct net premium, including all policy fees, state taxes, stamping fees and all other applicable charges. Net premium in this regard refers to total gross premium less the Producer/ Broker’s commission. No application shall be accepted by the Company until all application requirements have been submitted. The Producer shall remit to Company the net amount due Company for the current month as shown in the statement of account, not later than 30 days after the last day of the month for which the statement of account is rendered. lf Producer fails to remit the amount shown as due on the statement of account within 30 days after the last day of the month for which the statement of account is rendered Company shall be authorized to immediately cancel all policies written hereunder and to terminate this Agreement without further notice to the Producer. The Producer shall be personally liable to Company for all earned premiums on policies written for all new and renewal business produced on this account. Direct Bill Policies: The Producer/ Broker agrees to remit to the Company all gross premiums for Direct Bill policies within two business days from effective date of policy. The Producer/ Broker shall indemnify, defend, save and hold harmless the Company from any and all actions and causes of actions, claims, demands, liabilities, losses, judgments, damages or expenses, of whatsoever kind and nature, including interest and attorneys’ fees and all other reasonable costs, expenses and charges that the Company shall or may at any time, subsequent to the date of the Agreement, sustain or incur, or become subject to by reason of any claim or claims for any reason resulting from the Producer/ Broker carrying out or failing to carry out the terms and conditions of this Agreement, or the negligence, gross negligence, intentional misconduct or criminal acts or omissions resulting from the action or inaction of the Producer/ Broker, provided that notification is given within a reasonable time of such adverse claims, or threatened or actual lawsuits. The Company shall provide complete cooperation as appropriate to the Producer/Broker, its attorneys and agents. If suit is commenced to secure payment of any amounts due hereunder, the prevailing party shall be entitled to reasonable attorney’s fees and costs, which may be sought in the same action or in a separate action brought for that purpose. The ownership and control of expirations of policies written by the Company belong to the Producer/ Broker. In the event the Producer/ Broker has not properly accounted for and paid all premiums or unearned commissions due the Company in accordance with the payment terms of this Agreement, and any unearned commissions due a premium finance company, the ownership and control of the Producer/ Broker’s expiration shall be vested in the Company, at its option, as of the date of the notice of termination. Producer/ Broker agrees to maintain its license and keep it in good standing and agrees to provide Company with copies of its license, certifications, bonds, and errors and omissions insurance certificates and to provide the Company with update documentation annually or as requested. The Producer/ Broker shall immediately, or within 48 hours of receipt of Notice of Claim, send all claims notices, claims documents and any claims related material to the Company. This Agreement may be terminated by the Company by giving notice by mail, facsimile transmission or e-mail to the Producer/ Broker or immediately upon failure of Producer/ Broker to comply with all obligations and duties of this Agreement, including but not limited to, any application for insurance submitted here under.