Look up · What changes by state
Rules that change by state.
Some claim rules depend on where you live. Here's what to watch for, and where to check.
What can change by state
1
Time limits
How long you have to report or file can differ by state and by policy.
2
Asking again
How to ask for another look at a decision, and the window to do it.
3
Complaints
Your state's department of insurance can tell you how complaints work.
4
Car and home
Rules for repairs, total loss and estimates often vary by state.
Where to check your state
Your state's department of insurance publishes the rules for your state. Your own policy and letters come first.
When an answer depends on your state, we say so and tell you what to ask your insurer.
