WhyInsurance.me
Editorial standards
The rules every guide, definition, and tool on WhyInsurance.me follows.

We start with primary sources

Statements about laws, regulations, deadlines, and consumer rights are based on primary sources wherever possible: state statutes, state insurance departments, the NAIC, and federal agencies such as CMS, FEMA, and HealthCare.gov. Guides list their sources, and state-specific figures link to the statute or official page they come from.

We say where a rule applies

Insurance is regulated state by state. When a rule differs by state, we say so, and we don’t present one state’s rule as a national one.

We don’t invent numbers

We don’t publish statistics, prices, or premium averages without a named source. If we can’t source a figure, we leave it out.

We never decide what your policy covers

Coverage depends on the exact wording of your policy and your state’s law. Our content explains how insurance generally works; it doesn’t tell you whether a specific claim is covered, and it isn’t legal advice.

Checks before publishing

Before a guide on the main site is published, it must pass a compliance checklist:

  • Sources are cited, and they are acceptable sources.
  • State-specific statements are tied to a state.
  • No promises about outcomes or legal entitlements.
  • Required educational disclaimers are included.
  • Readability is checked, with a stricter limit for claim guidance.
  • No personal information is included.

The account that approves a guide must be different from the account that wrote it.

Dates you can rely on

Pages show when they were published and when they were last updated. A “Reviewed” date appears only when a named person has reviewed the content; we don’t change dates just to make a page look fresh. Regulatory figures, such as state minimum car insurance, are published only after a named reviewer checks them against the cited source.

Independence from advertisers

Advertisers and sponsors can’t write, edit, review, or approve our content. See our advertising standards.

Corrections

Found a mistake? Every guide has a “Report an error” link, and our corrections policy explains what happens next.