Refund Policy

Tom Donovan Insurance Agency, LLC is committed to transparency regarding policy billing, cancellations, and refunds. Please read this policy carefully to understand your rights and our procedures.

Insurance Premium Payments

Insurance premiums are governed by the terms and conditions established by the insurance carrier underwriting the specific policy. Tom Donovan Insurance Agency, LLC acts as an intermediary between clients and insurance carriers and does not independently set premium amounts or refund eligibility.

Refund Eligibility

Refund eligibility may vary depending on the following factors:

• Policy type and coverage category
• Individual insurance carrier policies and procedures
• Applicable state regulations in Michigan and other states
• The timing of the cancellation request relative to the policy effective date
• Whether any claims have been filed under the policy

Policy Cancellations

Customers may request policy cancellation in accordance with the requirements established by the applicable insurance carrier. Cancellation requests may require:

• Written notice of cancellation
• Signed authorization from the named insured
• Verification documentation as required by the carrier
• Return of original policy documents where applicable

Pro-Rated Refunds

Where applicable under carrier guidelines and state law, refunds may be issued on a pro-rated basis for unused coverage periods. Pro-rated refund calculations are performed by the insurance carrier and are subject to their specific cancellation terms.

Non-Refundable Fees

Certain administrative fees, processing charges, and agency service fees may be non-refundable where permitted by applicable law. These fees, if any, will be disclosed at the time of policy issuance. Clients are encouraged to review all fee disclosures prior to binding coverage.

Refund Processing Times

Refund processing timelines may vary and may require several business days to complete, depending on the insurance carrier, financial institution, and payment method used. Tom Donovan Insurance Agency, LLC is not responsible for delays caused by insurance carriers or financial institutions.

Billing Questions

Customers should contact our office promptly regarding any billing concerns, discrepancies, or disputed charges. We will work diligently to resolve billing issues in a timely and professional manner.

No Guarantee of Refunds

Refund approvals remain subject to individual carrier guidelines, policy terms, and applicable Michigan state laws. Tom Donovan Insurance Agency, LLC cannot guarantee refund approval on behalf of any insurance carrier.

Contact Us for Refund Assistance

If you have questions about a refund, cancellation, or billing matter, please contact our office directly:

Tom Donovan Insurance Agency, LLC
8177 Secor Rd, Suite B
Lambertville, MI 48144
Phone: (918) 849-4548
Email: owner@tomdonovaninsuranceagency.com