FAQ
Quick answers, in plain words.
If yours isn't here, ask your own. That's the point of this place.
Twelve questions people ask us
Is it really free?
Reading the record is free for individuals. Carrier and agent products are paid.
Do I need to upload anything?
No. We start from the official filed policy forms. A photo of a letter can help us find yours, and photos are read in your browser.
Where do the answers come from?
From official filed policy forms and rate papers in public records. Answers from filed papers show the page. When we can't find it, we say "Don't know yet."
Are you an insurer?
No. We're not an insurer or a law firm. We read the filed papers and show you the page.
Do you file claims for me?
No. We never file a claim or call your insurer for you. You send it yourself.
Can you tell me if my claim will be paid?
No. Your insurer decides. We show what the document says, and how it adds up.
What if you can't find it?
We say "Don't know yet" instead of guessing, and we tell you what to ask your insurer.
Are my photos stored?
No. Photos are read in your browser and are not uploaded.
Is this legal advice?
No. This is information about what filed documents say, not legal advice.
How current is it?
We keep reading, and the counts on our home page carry the date they were measured. Rules and forms change, so we may be a step behind. We show the date of the paper we read.
Who made this?
Sangmin Kwon, an actuary (ASA) who has spent 25 years inside insurance. You can read his story on the About page.
How do I report a mistake?
Tell us the page and what looks off on the Contact page. We read what you send.