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Terms and Conditions

Last Updated: July 21, 2026
 

These Terms and Conditions govern your use of this website operated by Marco Vargas Soto Insurance Agency, Inc., doing business as LVNV Auto Insurance (“LVNV Auto Insurance,” “we,” “us,” or “our”).
 

By accessing or using this website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions. If you do not agree, please discontinue use of the website.
 

1. Website Purpose
 

This website provides general information about our local insurance office, available insurance products, appointment scheduling, contact options, and links to authorized insurance-related services.
 

The information on this website is provided for general informational purposes only. It is not a policy of insurance, insurance contract, binder, guarantee of coverage, or professional legal, tax, or financial advice.
 

2. No Insurance Coverage Is Bound
 

Submitting a contact form, requesting a quote, scheduling an appointment, sending an email, leaving a voicemail, or communicating through this website does not:
 

  • Bind or activate insurance coverage

  • Add, remove, or modify coverage

  • Cancel or reinstate a policy

  • Report or establish a claim

  • Guarantee eligibility, pricing, discounts, or approval

  • Confirm that a requested transaction has been completed
     

Insurance coverage is subject to the terms, limits, exclusions, conditions, underwriting requirements, and availability of the applicable insurance policy and carrier. GEICO likewise notes that coverage is governed by the terms, limits, and conditions of the policy contract.  
 

Do not rely on a website message or email as confirmation that coverage has been issued, changed, canceled, or renewed. You must receive confirmation through an authorized insurance representative or secure carrier system.
 

3. Quotes and Product Availability
 

Any insurance quote, estimate, premium, discount, coverage description, or product information displayed or discussed through this website is preliminary and subject to verification.
 

Final eligibility, pricing, coverage, discounts, payment options, and policy issuance may depend on:
 

  • Underwriting approval

  • Information supplied by the applicant

  • Driving, claims, insurance, credit-based, or other permissible records

  • Property or vehicle characteristics

  • Carrier guidelines

  • State availability

  • Applicable laws and regulations
     

Products, features, payment plans, discounts, and coverages may not be available in every state or through every insurance company. GEICO’s own website similarly notes that some coverages, discounts, plans, and features are not available in all states or companies.
 

4. Accuracy of Information You Provide
 

You agree to provide complete, accurate, and current information when contacting us or requesting assistance.
 

You are responsible for reviewing all applications, quotes, policy documents, declarations, identification cards, forms, and communications for accuracy. Notify us promptly if you identify an error or omission.
 

Providing incomplete, false, outdated, or misleading information may affect eligibility, pricing, coverage, claims, or policy validity.
 

5. Website Is Not for Emergencies or Claims Reporting
 

Do not use a general contact form or email for urgent matters, including:

  • Accident emergencies

  • Roadside emergencies

  • Immediate claims assistance

  • Same-day policy cancellation

  • Last-minute coverage changes

  • Time-sensitive proof-of-insurance requests
     

For emergencies, call 911 or the appropriate emergency service. For claims or urgent policy service, use the official contact information shown in your policy documents, GEICO’s official website or mobile application, or call the appropriate service number.
 

6. Relationship With GEICO
 

LVNV Auto Insurance is operated by Marco Vargas Soto Insurance Agency, Inc. as a local insurance office.
 

GEICO is a registered service mark of Government Employees Insurance Company, a Berkshire Hathaway subsidiary.
 

Unless expressly stated otherwise, this website is operated by our local agency and is not the main corporate GEICO website. Certain products may be issued by GEICO companies, affiliated companies, or independent partner carriers.
 

The applicable insurance carrier, not this website, determines policy issuance, underwriting, coverage, claims decisions, and contractual obligations.
 

7. Third-Party Websites and Services
 

This website may link to:
 

  • GEICO websites and secure systems

  • Insurance-carrier or partner websites

  • Google Maps and Google Reviews

  • Social-media platforms

  • Wix services

  • Appointment or communications platforms

  • Other outside services
     

These websites are operated independently and may have their own terms, privacy policies, security procedures, and accessibility practices.
 

We do not control and are not responsible for the availability, content, accuracy, privacy practices, security, products, or services of third-party websites. GEICO also identifies situations where users leave its website for sites operated by partner companies.
 

8. Permitted Use
 

You may use this website only for lawful, personal, and legitimate business purposes.
 

You may not:
 

  • Attempt to gain unauthorized access to the website or its systems

  • Introduce viruses, malicious code, or harmful software

  • Interfere with website security or operation

  • Submit fraudulent, deceptive, abusive, or unlawful requests

  • Impersonate another individual or organization

  • Scrape, harvest, or automatically collect website information

  • Use website content or branding in a misleading manner

  • Copy or reproduce protected material without permission

  • Use the website to violate any applicable law or regulation
     

We may restrict access or take other appropriate action when we reasonably believe the website is being misused.
 

9. Intellectual Property
 

Unless otherwise stated, the design, written content, photographs, graphics, layout, agency materials, and other original content on this website are owned by or licensed to LVNV Auto Insurance.
 

GEICO names, logos, trademarks, service marks, and other GEICO materials belong to their respective owners and are used only as authorized.
 

You may view and print limited portions of the website for personal, noncommercial use. You may not reproduce, modify, distribute, publish, sell, license, or commercially exploit website content without prior written permission from the applicable rights holder.
 

10. Reviews and Testimonials
 

Reviews and testimonials reflect the experiences and opinions of the individual reviewers.
 

They do not guarantee that every customer will receive the same experience, pricing, savings, coverage, or result.
 

Any displayed review rating or review count may change over time. Third-party review platforms control their own content, calculations, moderation practices, and publication decisions.
 

11. Website Availability and Accuracy
 

We try to keep the website accurate and available, but we do not guarantee that:
 

  • All information will always be current or error-free

  • Every service or product will remain available

  • The website will operate without interruption

  • Links will always function

  • Technical defects will be corrected immediately

  • The website will be free from harmful components
     

We may modify, suspend, remove, or discontinue website content or features at any time.
 

12. Disclaimer of Warranties
 

To the fullest extent permitted by law, this website and its content are provided on an “as is” and “as available” basis.
 

We disclaim warranties that are not expressly stated, including implied warranties of merchantability, fitness for a particular purpose, accuracy, availability, and noninfringement.
 

Nothing in this section excludes a warranty or right that cannot legally be excluded.
 

13. Limitation of Liability
 

To the fullest extent permitted by applicable law, LVNV Auto Insurance, Marco Vargas Soto Insurance Agency, Inc., and their owners, employees, representatives, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from:
 

  • Use or inability to use the website

  • Reliance on general website information

  • Website interruptions or technical errors

  • Messages that are delayed, lost, or not received

  • Unauthorized access to or alteration of communications

  • Third-party websites or services

  • Failure to complete an insurance transaction through an authorized channel

This limitation does not apply where liability cannot legally be limited or excluded.
 

14. Indemnification
 

To the extent permitted by law, you agree to indemnify and hold harmless LVNV Auto Insurance, Marco Vargas Soto Insurance Agency, Inc., and their owners, employees, and representatives from claims, damages, liabilities, and reasonable expenses arising from:
 

  • Your unlawful or improper use of the website

  • Your violation of these Terms

  • Information or material you submit through the website

  • Your infringement of another party’s rights
     

15. Privacy
 

Your use of the website is also governed by our Privacy Policy, which explains how information may be collected, used, shared, retained, and protected.
 

16. Changes to These Terms
 

We may revise these Terms and Conditions periodically.
 

Changes will be posted on this page with an updated “Last Updated” date. Continued use of the website after revised Terms are posted constitutes acceptance of the revised Terms for subsequent use.
 

17. Governing Law
 

These Terms and Conditions are governed by the laws of the State of Nevada, without regard to conflict-of-law principles.
 

Subject to applicable law, disputes relating to this website will be brought in an appropriate state or federal court located in Clark County, Nevada.
 

18. Severability
 

If any provision of these Terms is found unenforceable or invalid, that provision will be limited or removed only to the extent necessary. The remaining provisions will continue in effect.
 

19. Entire Agreement
 

These Terms and Conditions, together with the Privacy Policy and any other notices posted on the website, constitute the agreement governing your use of this website.
 

They do not replace, amend, or override the terms of any insurance policy, application, binder, endorsement, carrier agreement, or other insurance contract.
 

20. Contact Information
 

Questions about these Terms and Conditions may be directed to:
 

Marco Vargas Soto Insurance Agency, Inc.
DBA LVNV Auto Insurance
7345 S. Durango Drive, Suite 106
Las Vegas, Nevada 89113

Email: marvargas@geico.com
Phone: 725-228-4700


 

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