Sources & methods
Where our answers come from.
We don't guess and we don't summarize from memory. We read the official papers, check what we quote, and show you the page.
Collect, read, check, show
1
Collect
Official filed policy forms and rate papers from public records.
2
Read
We read every page and turn it into searchable lines, keeping the page number.
3
Check
We check what we quote against the page it came from.
4
Show
You get the answer in plain words, with the page beside it.
How much we have read
1,400,000+filings indexed
360,000+documents collected
6,000,000+pages read
Counts are lower bounds, rounded down. Last updated November 2, 2026.
What we don't know
1
Your exact policy
We read the filed forms. Your own policy can have changes or extra pages we haven't seen.
2
What your insurer decides
They decide your claim. We show what the document says.
3
Things that change
Rules and forms change. We keep reading, but we may be a step behind.
How we keep ourselves honest
- Quotes are checked against the page.
- We say "Don't know yet" instead of guessing.
- We show examples with an Example label.
- We show the date of the paper we read.
- We're not an insurer or a law firm.
- You send everything yourself.