Insurance information affects financial decisions, so material claims need evidence.
Sources we prefer
State insurance departments, the National Association of Insurance Commissioners, official policy forms and endorsements, insurer claims guidance, and statutes or regulations. Secondary sources provide context only.
What we record
For each material claim we keep the supporting source, publisher, date, the date we accessed it, the relevant passage, and how far the claim applies (one insurer, one form, one state, or generally).
What we do when we can’t verify
We narrow the claim, remove it, or hold the article. We do not fill gaps with plausible guesses.
Expert review
Guides that interpret ambiguous policy wording or state law are held for review by a qualified professional, or limited to general, sourced information. Reviewer credentials are shown only when a real review has occurred. As of October 27, 2026, no guide on this site has been reviewed by a qualified professional, which is why each guide carries a note about its review status, avoids conclusions about what any particular policy covers, and why guides that depend on such conclusions are held back. There is currently no external reviewer; the only human review is the owner’s, described in the editorial policy.
Automated and AI checks
We run scripts that compare quoted wording and figures with the documents we cite, and an AI assistant re-reads drafts against those documents. These checks catch transcription errors and overstatements. They do not decide whether an interpretation of policy wording is correct, so they do not replace professional review.