Terms and Conditions
Print Terms & Conditions
IN NO EVENT WILL THE WRC GROUP BE LIABLE TO ANY PARTY FOR ANY LOSS OR DIRECT, INDIRECT, INCIDENTIAL, SPECIAL OR CONSEQUENTIAL DAMAGES CAUSED BY ACCESS TO OR USE OF THIS WEBSITE OR ITS CONTENT OR ANY OTHER WEBSITE ACCESSED VIA THIS WEBSITE THROUGH A HYPERLINK OR OTHERWISE. THIS WEBSITE IS PROVIDED “AS IS” AND “AS AVAILABLE.”
Accuracy of Information
The WRC Group does not warrant or guarantee the accuracy or completeness of the information provided on this website. Under no circumstances will The WRC Group be liable for any loss or direct, indirect, incidental, special or consequential damages caused by reliance on the information provided on this site. The information on this website may be changed or updated without notice. The WRC Group may also make improvements and/or changes in the products, services, and/or programs described on this site at any time without notice.
You may note that some of the pages on this site provide hypertext links to other sites created by other organizations. We provide you links to other sites as a free service. Because those sites are not under our control, we cannot guarantee the quality, accuracy, or timeliness of those sites. Nor is our connection to those sites an endorsement or adoption of the views expressed or of the products and services sold on those sites. Questions about the content of those sites should be directed to their authors. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, Trojan horses, malicious codes, or other items of a destructive nature.
Products and Services
Please note that none of the information contained on this website should be viewed as an offer to sell or as a solicitation to purchase any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products and services The WRC Group offers. Not all of the products or services described on this site are available in all states. You may not be eligible for all products and services, and The WRC Group reserves the right to determine such eligibility as permitted by law.
Coverage statements on this website are for general description purposes only. This site does not amend, modify, or supplement any policies or contracts of The WRC Group. Furthermore, not all coverages are available in every state. Consult the actual policy or contact your Agent who can supply you with details regarding terms, conditions, coverages, exclusions, products, services, and programs which may be available to you.
1st Auto & Casualty Policy Documents Accessed through this Website
Policy documents (and other policy-related information) provided through this website are provided for your convenience. They are not a declaration of coverage. While we have taken steps to provide you with accurate information, policy documents, ID cards and related information available through this website may not accurately reflect the policy that is currently in effect, and we make no warranties that the information provided is accurate. To determine the terms of coverage (if any) that are currently in effect, you must refer to the original policy documents that were provided to you. You may also contact your agent with any questions you have regarding your current coverage.
Disclaimer of Warranties
THE WRC GROUP SPECIFICALLY DISCLAIMS ALL WARRANTIES WITH RESPECT TO THIS WEBSITE OR YOUR USE THEREOF, EXPRESS, IMPLIED, OR OTHERWISE, INCLUDING WITHOUT LIMITATION, ALL WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. YOU AGREE THAT THE WRC GROUP SHALL NOT BE LIABLE FOR ANY DAMAGES RESULTING FROM THE USE OR MISUSE OF THIS WEBSITE OR THE INFORMATION ON THIS WEBSITE OR IF THIS WEBSITE, OR ANY PART OF IT, IS UNAVAILABLE AT ANY TIME.
Intellectual Property Rights
The website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection, and arrangement thereof), are owned by The WRC Group, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
The WRC Group names and all related names, logos, product and service names, designs, and slogans are trademarks of The WRC Group or its licensors. You must not use such marks without the prior written permission of The WRC Group. All other names, logos, product and service names, designs, and slogans on this website are the trademarks of their respective owners and may not be used without prior written permission of their respective owners.
You may cite or refer to the information on this site and make copies of the information for your own use. You must have our written permission to distribute copies of the information to others. To request such permission, send a message via e-mail to firstname.lastname@example.org.
Please include your name, address and telephone number, and a description of the intended extent, purpose and distribution of your copying.
Accessing this Website and Account Security
To access the website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the website that all the information you provide on the website is correct, current, and complete. This website is intended for use by individuals who are 18 years of age or older, and you must be at least 18 years of age to register as a user on this website.
This website is for personal, non-commercial use only, except that it may be used by agents, client mutuals and their staff, and The WRC Group employees for authorized business purposes. You may use this website for lawful purposes only. This website may not be used in a manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the site.
Some areas of this website are restricted and require a user identification code ("User ID") and a password for access. Unauthorized use of or access of such areas is strictly prohibited.
In accessing areas of this website requiring a User ID and password, you agree that:
• We are authorized to act on instructions received under your User ID and password.
• The WRC Group is not liable for any unauthorized access to your personal information that is not the direct result of The WRC Group’s gross negligence or intentional misconduct.
• You will keep your password confidential and you will notify us immediately if you believe someone else has obtained your User ID and password or any unauthorized access to the password protected areas of this website has occurred or may occur.
• We may block access to the password protected areas of this website without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.
Web Site Accessibility
We are continually looking for ways to improve the usability of this website for all customers, including individuals with disabilities.
If you have trouble accessing any of the information on this website, please contact us online at email@example.com or call 608-242-4500. Please provide the location of the inaccessible information, the desired format, and a mailing address in case we have to mail the information to you.
Third-Party Payment Processing
Payments made though this website are process by third parties and not by The WRC Group. By electing to make a payment through this website, you authorize these third parties to process your payment. The WRC Group is not liable for, and makes no warranties in regard to, the actions or omissions of these third parties.
Governing Law and Jurisdiction
Waiver and Severability
Customer information is not sold. We do not provide customer information to any person or organization not affiliated directly with the Wisconsin Reinsurance Corporation (“WRC”) or any of its subsidiaries, including 1st Auto & Casualty Insurance Company, the WRC Agency, Inc., and Wisconsin Adjusting Service Inc. (referred to collectively in these Privacy Policies as “The WRC Group”) except as permitted by law. Persons or organizations acting on our behalf are also required to protect your confidentiality. Former customers, new customers, and prospective customers are provided the same protection.
We restrict access to nonpublic personal financial information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect the privacy and security of this information. We periodically review and revise our privacy practices to protect customer information.
When you first become a policyholder of 1st Auto & Casualty, and at least annually while you maintain a continuing customer relationship with 1st Auto & Casualty, we will provide you with a written notice of privacy practices.
Information We Collect
In the course of doing business with you, we will collect and use information that is necessary to service your account. We may collect information from the following sources (the examples of types of information collected from each source are not all inclusive):
• from you – on your application or other forms you complete
• from your transactions with us – payment history, underwriting, and claim documents
• from consumer reporting agencies – credit and claim history
• from your insurance agent – information in reference to your account
• governmental agencies – to obtain motor vehicle records
• medical sources – to assist in adjusting claims
Information We Collect through our Website and Automatic Data Collection Technologies
In order to better serve you, we use technologies, such as cookies, to automatically collect and store certain information when you use our website. Cookies are pieces of information that a website sends to your computer while you are viewing the website. Most of the information that we collect is not personally identifiable and is deleted at the end of your website session. The only personally identifiable information that we store after a session has ended is your user name (if you check the “remember me” box). We save your user name to make signing in to another website session easier. However, to protect you, your user password (which is also necessary to sign in to a new session) is never stored. Your password must be re-entered each time to start a new session.
• Analytics: Technologies, such as cookies may be used to help us understand how you and other website visitors use the website, so that we can make the website more usable. Personally identifiable information is not collected or stored.
• Session State: These cookies collect information about how users interact with the website. This may include the pages that users visit most often and whether users get error messages from certain pages.
The cookies used on our website do not identify you personally (except for your user name, as discussed above) unless you voluntarily choose to identify yourself. Otherwise, the cookies only collect anonymous information and technical data such as your internet protocol (IP) address, browser and session ID. You can voluntarily choose to identify yourself by requesting information on your policy or a product, by printing ID cards, by requesting a quote or by completing a contact form.
Your website browser (e.g. Internet Explorer, Netscape) may allow you turn off all cookies. If you turn off cookies, you may not be able to use the full functionality of the website.
Information We Disclose to Third Parties
In order to service your account, we may disclose information about you to non-affiliated third parties, but only as permitted by law. We may share information with, but not limited to, the following types of third parties:
• your insurance agency
• governmental authorities
• insurance adjusters
• consumer reporting agencies
• mortgage or premium finance companies and lienholders
We thank you for choosing The WRC Group. We appreciate having the opportunity to do business with you. If you have any questions regarding this notice, please contact us at one of the following numbers:
• WRC: 608-242-4500
• The WRC Agency, Inc.: 608-441-3133
• 1st Auto & Casualty Insurance Company: 608-242-4505
• Wisconsin Adjusting Service Inc.: 608-242-4510