Terms & Conditions
Last revised: 07/14/26
Welcome to the website or mobile app of Pioneer State Mutual Insurance Company! We’ve created some “house rules” for our website or app otherwise known as our “terms and conditions.” We get it, most visitors tend to skim through the terms and conditions on websites or apps because they’re all the same and who has time for that? For your benefit, we’ve tried to keep our terms and conditions short and sweet. We encourage you to read through them and understand them. Thank you!
Terminology
“We,” “us,” “our,” “Pioneer State Mutual” or “the Company” refers to Pioneer State Mutual Insurance Company. “You,” “your,” or “user,” refers to the person accessing the site. If the person accessing this site is doing so on behalf of another person, including a business or organization, then “you” or “your” would refer to the other person, including a business or organization. “Website,” “app,” or “My Pioneer” refers to Pioneer State Mutual’s website (psmic.com) and mobile application.
“We,” “us,” “our,” “Pioneer State Mutual” or “the Company” refers to Pioneer State Mutual Insurance Company. “You,” “your,” or “user,” refers to the person accessing the site. If the person accessing this site is doing so on behalf of another person, including a business or organization, then “you” or “your” would refer to the other person, including a business or organization. “Website,” “app,” or “My Pioneer” refers to Pioneer State Mutual’s website (psmic.com) and mobile application.
Terms & Conditions
The following terms and conditions rule your access to and use of this website or app. This may include any content, functionality, and services offered on or through this website whether as a guest or a registered user.
The following terms and conditions rule your access to and use of this website or app. This may include any content, functionality, and services offered on or through this website whether as a guest or a registered user.
Please read these terms and conditions carefully before you use our website or app. Any participation on our website or app will establish acceptance of this agreement. If you, at any point, do not agree to abide by the following terms and conditions, please do not use this website or app or discontinue use of this website or app henceforth.
As the owner of this website and app, we reserve the right to make revisions to our terms and conditions at our sole discretion. All changes made are effective immediately. Please check back from time to time to make yourself aware of any changes as they may affect you. Your continued use of the website after revisions are made means that you accept and agree to the changes and all terms and conditions for this site or app.
If Pioneer State Mutual makes material changes to these Terms and Conditions, we may provide notice through the website, mobile application, email, account notification, or other reasonable means. Your continued use of the website or app after such notice constitutes acceptance of the revised Terms and Conditions.
Privacy Statement
Pioneer State Mutual Insurance Company respects your privacy and is committed to protecting your personal information. Your use of this website or app is also subject to Pioneer State Mutual’s Privacy Statement, which explains how we collect, use, protect, and disclose personal information obtained through our products, services, website, and mobile application. By accessing or using this website or app, you acknowledge that you have reviewed and understand our Privacy Statement. The Privacy Statement is incorporated into these Terms and Conditions by reference and is available at Pioneer State Mutual Privacy Statement. If there is a conflict between these Terms and Conditions and the Privacy Statement regarding the collection, use, disclosure, or protection of personal information, the Privacy Statement shall govern with respect to those matters.
Pioneer State Mutual Insurance Company respects your privacy and is committed to protecting your personal information. Your use of this website or app is also subject to Pioneer State Mutual’s Privacy Statement, which explains how we collect, use, protect, and disclose personal information obtained through our products, services, website, and mobile application. By accessing or using this website or app, you acknowledge that you have reviewed and understand our Privacy Statement. The Privacy Statement is incorporated into these Terms and Conditions by reference and is available at Pioneer State Mutual Privacy Statement. If there is a conflict between these Terms and Conditions and the Privacy Statement regarding the collection, use, disclosure, or protection of personal information, the Privacy Statement shall govern with respect to those matters.
Electronic Communications
By using this website or app and providing an email address, mobile telephone number, or other electronic contact information, you consent to receive communications electronically from Pioneer State Mutual regarding your account, policy, claims, website or app services, security notifications, and other business-related matters. Electronic communications may include email, text messages, push notifications, website or app messages, and other electronic notices, as permitted by applicable law. You are responsible for maintaining current and accurate contact information with Pioneer State Mutual. You understand that electronic communications may not be encrypted unless expressly stated and that standard messaging, data, or carrier charges may apply.
By using this website or app and providing an email address, mobile telephone number, or other electronic contact information, you consent to receive communications electronically from Pioneer State Mutual regarding your account, policy, claims, website or app services, security notifications, and other business-related matters. Electronic communications may include email, text messages, push notifications, website or app messages, and other electronic notices, as permitted by applicable law. You are responsible for maintaining current and accurate contact information with Pioneer State Mutual. You understand that electronic communications may not be encrypted unless expressly stated and that standard messaging, data, or carrier charges may apply.
Mobile Application Terms
If you access or use My Pioneer through a mobile application, your use of the app may also be subject to the applicable terms, conditions, and policies of the app store or platform from which you downloaded the app.
If you access or use My Pioneer through a mobile application, your use of the app may also be subject to the applicable terms, conditions, and policies of the app store or platform from which you downloaded the app.
Pioneer State Mutual does not guarantee that the mobile app will be compatible with all devices, operating systems, or configurations. Certain features may require an Internet connection, device permissions, software updates, or access to compatible third-party services. Pioneer State Mutual may modify, suspend, update, or discontinue all or part of the mobile app at any time, with or without notice. You are responsible for installing updates when made available, as older versions of the app may not continue to function properly or securely. Standard data, messaging, or carrier charges may apply when using the mobile app. Pioneer State Mutual is not responsible for charges imposed by your mobile carrier or Internet service provider.
Accessibility
Pioneer State Mutual strives to make its website and mobile application accessible to users, including individuals with disabilities. We are committed to making reasonable efforts to improve accessibility and usability over time. If you have trouble accessing any portion of this website or app, please contact Pioneer State Mutual so we can review the issue and, where appropriate, provide assistance or alternative access to the information or service.
Pioneer State Mutual strives to make its website and mobile application accessible to users, including individuals with disabilities. We are committed to making reasonable efforts to improve accessibility and usability over time. If you have trouble accessing any portion of this website or app, please contact Pioneer State Mutual so we can review the issue and, where appropriate, provide assistance or alternative access to the information or service.
User Submissions and Uploaded Content
If you submit, upload, transmit, or otherwise provide information, documents, photographs, images, claim materials, messages, forms, or other content through the website or app, you represent that you have the right to provide that information and that the information is accurate to the best of your knowledge. You authorize Pioneer State Mutual to receive, store, use, reproduce, review, process, transmit, and disclose such submissions as reasonably necessary for policy administration, claim handling, billing, customer service, fraud prevention, legal or regulatory compliance, system administration, business operations, and other purposes permitted by applicable law. You agree not to submit content that is false, misleading, unlawful, defamatory, threatening, obscene, harassing, infringing, malicious, or otherwise harmful to Pioneer State Mutual, its users, systems, or third parties.
If you submit, upload, transmit, or otherwise provide information, documents, photographs, images, claim materials, messages, forms, or other content through the website or app, you represent that you have the right to provide that information and that the information is accurate to the best of your knowledge. You authorize Pioneer State Mutual to receive, store, use, reproduce, review, process, transmit, and disclose such submissions as reasonably necessary for policy administration, claim handling, billing, customer service, fraud prevention, legal or regulatory compliance, system administration, business operations, and other purposes permitted by applicable law. You agree not to submit content that is false, misleading, unlawful, defamatory, threatening, obscene, harassing, infringing, malicious, or otherwise harmful to Pioneer State Mutual, its users, systems, or third parties.
Fraudulent Activity
Any attempt to submit false, misleading, incomplete, altered, or fraudulent information through this website or app is strictly prohibited. This includes, but is not limited to, information submitted in connection with insurance applications, policy servicing, billing, claims, account access, identity verification, or other transactions with Pioneer State Mutual. Pioneer State Mutual reserves the right to review, investigate, deny, suspend, or terminate access to website or app services in response to suspected fraudulent activity and may refer such activity to law enforcement, regulatory authorities, or other appropriate parties as permitted or required by law.
Any attempt to submit false, misleading, incomplete, altered, or fraudulent information through this website or app is strictly prohibited. This includes, but is not limited to, information submitted in connection with insurance applications, policy servicing, billing, claims, account access, identity verification, or other transactions with Pioneer State Mutual. Pioneer State Mutual reserves the right to review, investigate, deny, suspend, or terminate access to website or app services in response to suspected fraudulent activity and may refer such activity to law enforcement, regulatory authorities, or other appropriate parties as permitted or required by law.
Pioneer Insurance Products and Services
The information and materials provided on this website or app are intended for general reference only and is superseded in all aspects by the Insuring Agreements, Exclusions and Conditions of the Policy. They do not describe all of the terms, conditions, and exceptions applicable to Pioneer’s insurance products and services. All insurance coverage is subject to the terms and conditions contained in the insurance policies issued. Insurance product availability and coverage terms and conditions may vary based upon your individual circumstances and on the state laws of the jurisdiction in which you reside. The products and services offered on this website or app are only available in jurisdictions where Pioneer has a certificate of authority to write insurance.
The information and materials provided on this website or app are intended for general reference only and is superseded in all aspects by the Insuring Agreements, Exclusions and Conditions of the Policy. They do not describe all of the terms, conditions, and exceptions applicable to Pioneer’s insurance products and services. All insurance coverage is subject to the terms and conditions contained in the insurance policies issued. Insurance product availability and coverage terms and conditions may vary based upon your individual circumstances and on the state laws of the jurisdiction in which you reside. The products and services offered on this website or app are only available in jurisdictions where Pioneer has a certificate of authority to write insurance.
Secured Areas
The privacy and security of customer data is as important to PIONEER as it is to you. Physical safeguards, procedural controls, and data access controls protect your data from unauthorized attempts of intrusion.
The privacy and security of customer data is as important to PIONEER as it is to you. Physical safeguards, procedural controls, and data access controls protect your data from unauthorized attempts of intrusion.
Some portions of this site or app are restricted and require authorization for access. Unauthorized use of or access to these areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored, and recorded. Any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.
Unauthorized Access, Intentional Interruption or Destructive Material
Enrollment by valid users is required as a condition for accessing some services or resources provided on this website or app. Unauthorized use of or access to these areas is forbidden. We reserve the right to reject or discontinue site access or services to any user at our sole discretion.
Enrollment by valid users is required as a condition for accessing some services or resources provided on this website or app. Unauthorized use of or access to these areas is forbidden. We reserve the right to reject or discontinue site access or services to any user at our sole discretion.
By using this site or app, you agree not to attempt to:
- Interrupt the operation of this site or app.
- Gain unauthorized access or use to our computers, computer systems or computer codes.
- Introduce any electronic data or software containing viruses, worms, Trojan horses, web robots and the like, or other destructive material to our computers with the intent to adversely affect any computer software, hardware or telecommunications equipment.
Email Login and Password
Some portions of this website or app are protected and require an email login and password for access. Your email login and password provides you access to these restricted website sections. In accessing these restricted website or app sections you agree to:
- Maintain a secure password. Your email login and password allow access to sensitive information and you will keep it confidential and secret.
- Not allow another person to use your email login or password.
- Not use an email login or password that does not belong to you.
- Allow Pioneer State Mutual to act on instructions received under your email login without any requirement to question those instructions. Pioneer is not liable for any unauthorized access to this website using your email login that is not directly due to the gross negligence or intentional misconduct of Pioneer.
- Notify Pioneer State Mutual immediately if you believe someone else has learned your email login or password or if you believe unauthorized access to your personal information has occurred or may occur.
Until notified otherwise, Pioneer State Mutual will assume that all transactions, authorizations, acts or omissions received under your email login and password are authorized by you. You are responsible for the activities performed by your email login and password. Pioneer State Mutual may block access to our website, app or services without prior notice to you if we believe your email login or password is being used by someone other than you or if any unauthorized access to your personal information has occurred.
Termination
Pioneer State Mutual may terminate the right of any user to access the website or app at any time, with or without cause, at our sole discretion and without notice.
Cookies
This website or app may use “cookies.” This is solely to collect data on our site or app. Cookies do not collect data on your specific device. This technology is intended to track data about the users on this site or app. This data does not include personal information about the user.
Log Files
Pioneer or our hosting provider may collect traffic information from visitors for statistical analysis and site improvement. When you access this site, PIONEER or our hosting provider may collect information about your visit in a log file on a server. Log file information may include, but is not limited to, internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks. PIONEER or our hosting provider may use this information to analyze trends, administer sites, track users' movements in the aggregate, and gather demographic information for aggregate use.
Links
Pioneer State Mutual may provide links to third-party sites to provide additional information on a specific matter. If you use these links, you will leave Pioneer State Mutual's website or app. Pioneer State Mutual offers these links for informational purposes only and not as a referral or endorsement of any third-party website or app. The third-party websites or apps are maintained by their respective organizations and those organizations are solely responsible for the content and accuracy. Before entering any linked site, you should review and understand that site or app's privacy policy and/or terms and conditions.
Email
Email submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before emailing any information. You agree not to submit or transmit any emails or materials through the website or app that:
- Are defamatory, threatening, obscene or harassing
- Contain a virus, worm, Trojan horse, or any other harmful component
- Incorporate copyrighted or other proprietary material of any third party without that party's permission
- Otherwise violate any applicable laws
No Solicitation or Advice
Unless otherwise expressly stated, the information appearing on this website or app is provided to you for informational purposes only and does not constitute an offer to sell or buy any product or service that is referenced or described on this website or app. If PIONEER expressly offers to sell or buy a product or service on this website or app, the offering is specifically limited to the jurisdiction(s) in which the offer or has the authority to make the offer and be bound.
Nothing in this website or app should be construed as rendering tax, legal, investment, or accounting advice.
Trademarks and Copyrights
All trademarks, services marks, trade names, logos, and icons are proprietary to Pioneer. Nothing contained on the website or app should be construed as granting any license or right to use any trademark displayed on this website or app without the written permission of Pioneer.
All trademarks, services marks, trade names, logos, and icons are proprietary to Pioneer. Nothing contained on the website or app should be construed as granting any license or right to use any trademark displayed on this website or app without the written permission of Pioneer.
Images displayed on this website or app are either the property of or used with permission by Pioneer State Mutual. The use of these images by you or anyone else authorized by you is prohibited unless Pioneer State Mutual has given written permission. Any unauthorized use of the images may violate copyright laws, trademark laws, the law of privacy and publicity, and communications regulations and statutes.
DMCA Copyright
Pioneer does not knowingly permit anyone to post materials on this site where such posting would violate copyright or other applicable law, including the Digital Millennium Copyright Act (“DMCA”) (including 17 USC § 512).
Pioneer does not knowingly permit anyone to post materials on this site where such posting would violate copyright or other applicable law, including the Digital Millennium Copyright Act (“DMCA”) (including 17 USC § 512).
U.S. Only
Pioneer State Mutual is based in the state of Michigan in the United States. We provide this website or app for use only by persons located in the United States. We make no claims that this website or app or any of our content is accessible or appropriate outside of the United States.
Pioneer State Mutual is based in the state of Michigan in the United States. We provide this website or app for use only by persons located in the United States. We make no claims that this website or app or any of our content is accessible or appropriate outside of the United States.
Other Agreements
You may have other agreements with Pioneer State Mutual. These terms and conditions apply to your use of this website or app and do not change or alter any other contract or agreement between you and the Company.
You may have other agreements with Pioneer State Mutual. These terms and conditions apply to your use of this website or app and do not change or alter any other contract or agreement between you and the Company.
Limitation of Liability and Disclaimer of Warranties
IN NO EVENT WILL PIONEER STATE MUTUAL, OUR AFFILIATES OR OUR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, BOARD OF DIRECTORS, DIRECTORS, OR TRUSTEES BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THIS WEBSITE OR APP, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR APP OR SUCH OTHER WEBSITES OR ANY SERVICES OR PRODUCTS OBTAINED THROUGH THE WEBSITES OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.
IN NO EVENT WILL PIONEER STATE MUTUAL, OUR AFFILIATES OR OUR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, BOARD OF DIRECTORS, DIRECTORS, OR TRUSTEES BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THIS WEBSITE OR APP, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR APP OR SUCH OTHER WEBSITES OR ANY SERVICES OR PRODUCTS OBTAINED THROUGH THE WEBSITES OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.
THE ABOVEMENTIONED DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
PIONEER STATE MUTUAL DISCLAIMS ANY RESPONSIBILITY TO UPDATE THIS WEBSITE OR APP TO REFLECT EVENTS OR CIRCUMSTANCES OCCURING AFTER THE ORIGINAL POSTING. PIONEER STATE MUTUAL TAKES NO RESPONSIBILITY FOR THE TIMELINESS OR ACCURACY OF THE INFORMATION ON THIS WEBSITE OR APP. YOUR USE OF THIS WEBSITE OR APP, ITS CONTENTS AND ANY SERVICES OBTAINED THROUGH THE WEBSITE OR APP ARE AT YOUR OWN RISK. THE WEBSITE OR APP, THEIR CONTENTS AND ANY SERVICES OR PRODUCTS OBTAINED THROUGH THE WEBSITE OR APP ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER PIONEER STATE MUTUAL NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THIS WEBSITE OR APP. WITHOUT LIMITING THE ABOVEMENTIONED, NEITHER PIONEER STATE MUTUAL NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THIS WEBSITE OR APP, THEIR CONTENTS OR ANY SERVICES OBTAINED THROUGH THIS WEBSITE OR APP WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR WEBSITE, APP OR THE SERVERS THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITES OR ANY SERVICES OR PRODUCTS OBTAINED THROUGH THIS WEBSITE OR APP WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
PIONEER STATE MUTUAL HEREBY REJECTS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.
Indemnification
You agree to defend, indemnify and hold harmless Pioneer State Mutual, our affiliates, licensors and service providers, officers, directors, employees, contractors, agents, licensors, suppliers, successors against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these terms and conditions or your use of this website or app, including, but not limited to, any use of this website or app’s content, services, or products other than as expressly authorized in these terms and conditions or your use of any information obtained from this website or app.
You agree to defend, indemnify and hold harmless Pioneer State Mutual, our affiliates, licensors and service providers, officers, directors, employees, contractors, agents, licensors, suppliers, successors against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these terms and conditions or your use of this website or app, including, but not limited to, any use of this website or app’s content, services, or products other than as expressly authorized in these terms and conditions or your use of any information obtained from this website or app.
Applicable Law
Pioneer State Mutual controls this website or app from our offices in Flint, Michigan. The internal substantive laws of the State of Michigan will govern these terms and conditions and any dispute that may arise hereafter without regard to any conflict of law principles. You agree to these terms, found at psmic.com. You agree to be bound by these terms as they may, at times, be amended, revised, replaced, supplemented, or otherwise changed.
Pioneer State Mutual controls this website or app from our offices in Flint, Michigan. The internal substantive laws of the State of Michigan will govern these terms and conditions and any dispute that may arise hereafter without regard to any conflict of law principles. You agree to these terms, found at psmic.com. You agree to be bound by these terms as they may, at times, be amended, revised, replaced, supplemented, or otherwise changed.
Questions?
Whew, that was a lot of information! Now that you’ve gotten through all of it, do you have any questions for us? If you do, please feel free to reach out to us at psminfo@psmic.com.
Whew, that was a lot of information! Now that you’ve gotten through all of it, do you have any questions for us? If you do, please feel free to reach out to us at psminfo@psmic.com.
Thanks for checking out our website or mobile app!