Terms and Conditions

Last updated: October 17, 2026

By using the OneWay Insurance website, submitting a form, requesting a quote, or contacting us, you agree to these Terms and Conditions.

OneWay Insurance is a trade name (DBA) of Paisano Insurance Agency. References to "OneWay Insurance," "we," "us," or "our" in these Terms refer to Paisano Insurance Agency, doing business as OneWay Insurance.

Use of this website

This website is provided for informational purposes and to facilitate insurance-related requests.

You may not use this website to:

• Engage in any illegal activity
• Attempt to gain unauthorized access to our systems
• Interfere with the operation of the website
• Knowingly provide false or fraudulent information

Eligibility

You must be at least 18 years old to use this website, submit a quote request, or enroll in our SMS program. By using this website or opting in to text messages, you confirm that you are 18 years of age or older.

Insurance quotes

Any price, estimate, or quote is subject to:

• Verification of the information provided
• The insurance company's underwriting rules
• Applicant eligibility
• Driving history
• Vehicles to be insured
• Coverages selected
• Location
• Other factors used by the insurance company

A quote request does not constitute insurance coverage.

Coverage does not begin automatically

Completing a form, receiving a quote, submitting documents, or speaking with a representative does not mean an active policy exists.

Coverage begins only when:

• the insurance company accepts the risk,
• all applicable requirements are met,
• any required payment has been made, and
• the effective date of coverage has been officially confirmed.

Never assume you are insured until you receive confirmation.

Accuracy of information

You are responsible for providing accurate and complete information. Incorrect, incomplete, or false information may affect:

• The price of the policy
• Eligibility
• Coverage
• The handling of claims
• The validity of a policy

Third-party services

OneWay Insurance may work with insurance companies, technology providers, payment processors, quoting platforms, and other third parties. Insurance products are subject to the terms, exclusions, limitations, and conditions set by each insurance company.

Availability

Available products, companies, and coverages may vary depending on:

• State
• ZIP code
• Vehicle
• Driver
• Driving and claims history
• Type of risk
• Each insurer's requirements

We do not guarantee that any specific company or rate will be available to every customer.

Website information

We try to keep the information on this website accurate and up to date. However, we do not guarantee that all content is error-free or current at all times. The actual terms of a policy prevail over any general information presented on this website.

Electronic communications

When you request a quote or provide your contact information, you authorize OneWay Insurance to contact you about your request through the channels you provide, including phone, email, SMS text message, or WhatsApp, as applicable. You may opt out of promotional communications at any time.

SMS / Text Messaging Program

By providing your mobile number and checking the consent box, you agree to receive text messages from OneWay Insurance.

• Program name: OneWay Insurance Customer Notifications
• Program description: Messages related to your quotes, policies, payments, renewals, and customer service. If you separately opt in to marketing messages, you may also receive promotional offers and discounts.
• Message frequency: Message frequency varies.
• Costs: Message and data rates may apply.
• Opt-out: Reply STOP at any time to stop receiving messages. You will receive one final message confirming that you have been unsubscribed.
• Help: Reply HELP for assistance, or contact us using the information below.
• Consent is not a condition of purchase. You are not required to agree to receive text messages in order to buy any product or service.
• Carriers are not liable for delayed or undelivered messages.
• Age requirement: You must be 18 or older to enroll in our SMS program.
• Your mobile information and SMS consent will not be shared with third parties or affiliates for their marketing purposes. See our Privacy Policy for details.

Intellectual property

The content, logos, designs, text, and materials associated with OneWay Insurance may not be copied, reproduced, or used commercially without authorization, except as permitted by law.

Limitation of liability

To the extent permitted by law, OneWay Insurance shall not be liable for damages arising from:

• Website interruptions
• Technical errors
• Incorrect information provided by the user
• Third-party services or platforms
• Decisions made based solely on general information on this website

No legal or financial advice

The information on this website does not constitute legal, tax, or financial advice. For specific situations, we recommend consulting a qualified professional.

Changes to these terms

OneWay Insurance may update these Terms and Conditions from time to time. The most recent version will be identified by the "Last updated" date on this page.

Governing law

These Terms and Conditions are governed by the laws of the State of Illinois.

Contact

For questions about these Terms and Conditions: