Customer Agreement

This Customer Agreement explains the terms under which Princeton Coverages LLC (“we,” “us,” or "Princeton Coverages") provides brokerage and customer-advocacy services to you. By submitting a quote request, paying a deposit, or accepting a recommended coverage plan, you agree to these terms in addition to our Terms of Service and Privacy Policy.

Princeton Coverages is an independent vehicle protection brokerage. We are not an insurance company, underwriter, administrator, or claims payer. Our role is to shop plans from top-rated carriers and administrators, present options tailored to your vehicle and budget, and advocate on your behalf before, during, and after a claim. Your coverage is issued, administered, and backed by the third-party provider named in your contract.

Quotes and plan recommendations are based on the vehicle and contact information you provide. Final pricing, eligibility, waiting periods, deductibles, and covered components are determined by the selected carrier or administrator and are only confirmed once a contract is issued and accepted. We will always present the plan we believe best fits your needs, but the final purchase decision is yours.

In some cases, a deposit may be requested to secure a quoted rate, lock in promotional pricing, or begin enrollment with a carrier. Deposits are fully applied to your selected plan at the time of binding coverage. Deposits are not additional fees unless separately disclosed in writing and agreed to by you.

All deposit amounts, timing, and payment methods will be clearly communicated before any payment is collected. Deposits are collected by Princeton Coverages on behalf of or as directed by the issuing provider.

If you cancel before your contract is bound or issued, any deposit paid to Princeton Coverages will be refunded in full within 5–10 business days, provided no carrier-specific non-refundable fees have already been charged.

Once a vehicle service contract is bound, issued, and delivered, cancellation and refund terms are governed by the issuing carrier or administrator’s contract. Most contracts include a free-look or review period (often 30 or 60 days) during which you may cancel for a full refund of the contract price, less any claims paid. After the free-look period, refunds are typically prorated based on time in force and claims paid, minus any applicable administrative fees.

To request a cancellation or refund, contact us directly at (888) 339-7201 or info@princetoncoverages.com. We will coordinate with the administrator and provide the exact refund amount and timeline applicable to your contract.

Every Princeton Coverages customer has access to a dedicated claims advocate. We will help you understand your contract, communicate with administrators, and resolve disputes when a claim is questioned or denied. Our advocacy does not guarantee claim approval; final claim decisions remain with the carrier or administrator under the terms of your contract.

You agree to provide accurate vehicle information, including year, make, model, mileage, VIN, and title status, and to inform us of any known mechanical issues, existing coverage, or recent repairs. If inaccurate information leads to a denied claim or invalid contract, Princeton Coverages is not responsible for the carrier’s decision.

To the fullest extent permitted by law, Princeton Coverages is not liable for coverage denials, claim delays, repair disputes, or any other actions or omissions of third-party carriers, administrators, or repair facilities. Our liability is limited to the fees we directly collect for brokerage services.

We may update this Customer Agreement from time to time. The effective date at the top of this page will reflect the latest version. Continued use of our services after updates are posted constitutes acceptance of the revised terms.

Questions about this agreement, deposits, or refunds? Contact us at info@princetoncoverages.com or call (888) 339-7201.