Editorial policy

Who writes this

Every page is written and edited by Amit Parpara, Co-Founder, Engineering and Information Systems. Insurpedia was co-founded with Ofir Sahar, Co-Founder, Product, Growth and Editorial Strategy, who sets product and editorial direction but is not the author of individual pages.

Not a licensed insurance agent, broker, or adviser. Insurpedia does not sell insurance.

That last sentence is the important one. Insurance is regulated state by state, and what your policy actually covers comes down to its specific wording. Insurpedia is built to help you understand your options and ask sharper questions. It is not a substitute for advice from someone licensed in your state, and we would rather tell you that plainly than dress the site up with credentials it does not have.

More about who is behind Insurpedia.

Professional review

Insurpedia’s content is not currently reviewed by a licensed insurance professional. It is researched against public consumer and regulator sources, cross-referenced, and checked by a named editor before it is published.

An editorial review confirms that a page is accurate and clearly explained. It is not advice about your own policy, and it does not create a professional relationship between you and the reviewer.

We will name a reviewer only once that person has explicitly agreed to the role. Until then the site says plainly that it has none, because an invented or implied reviewer would be a worse failure than an absent one.

How we pick topics

Before anything gets written, we check whether a good, neutral answer already exists. If a question is already covered well by a major consumer publication or a government body, we skip it, even when it would obviously bring traffic. We write about questions where the only existing answers come from companies with something to sell, because that is where a neutral explanation is actually worth something.

The practical effect is that Insurpedia covers narrow, specific situations rather than broad topics. That is deliberate. A page exists here because someone needed it and could not find it, not because a keyword had volume.

How pages are researched

Claims are checked against publicly available sources: consumer guidance from insurance regulators and state insurance departments, consumer-finance publications, and insurer policy documentation. Where sources disagree, we either say so or leave the claim out.

Where a page has recorded sources, they are listed at the bottom of that page. Pages published before we started recording sources in a structured way do not show a source list yet; we are adding them as each page comes up for review, and an absent list means the work has not been done rather than that the page has no basis.

How AI is used

Insurpedia is drafted with AI assistance. A human picks the topic, checks the gap, directs the draft, edits it, and checks the facts before it goes live. No page is published straight out of a model without that pass.

We disclose this because it affects how you should read the site, and because the alternative is pretending otherwise. What matters for accuracy is not whether a draft started in a model or a text editor, but whether a person checked it. Where that check has happened against current sources, the page carries a "Reviewed" date. Where it has not, it does not.

Tools on this site that are labelled as running on fixed rules or plain arithmetic really do run on fixed rules or plain arithmetic. We will not put an AI label on something that is a lookup table. When a genuinely AI-backed tool exists here, it will say so and it will say what it cannot do.

Dates, and what they mean

• Published is the date a page first went live.
• Updated means the content itself changed in a way worth knowing about, not that a typo was fixed.
• Reviewed means someone went back through the page against current sources on that date and either confirmed it or changed it. A page shows this only where it actually happened.

We do not refresh dates to look current. A page with an older date is a page we have not been back to, which is information you should have.

Corrections

If a page is wrong, tell us and we will fix it. Send the page and what is wrong with it to hello@insurpedia.org.

Substantive corrections change the page and move its Updated date. We do not quietly rewrite a claim and leave the date alone.

State-specific limits

Insurance in the United States is regulated at the state level. Required coverages, minimum limits, how insurers may set rates, and what they must tell you all vary. Unless a page says otherwise, treat what you read here as a general explanation of how something usually works, not a statement about your state.

Your state insurance department is the authority on your state, and it is free to contact.

Independence

Insurpedia does not sell insurance and is not an agency or a broker. We do not recommend specific insurers. When a company is named on this site, it is to cite a published figure, never as an endorsement.

There are currently no affiliate relationships, paid placements, or referral arrangements of any kind on this site, and no company has paid to appear here or to be described in a particular way. If that ever changes, it will be disclosed here and on the pages it affects, before it goes live rather than after.

What we will not publish

• A recommendation of a specific insurer.
• Legal advice, or anything framed as a determination about whether your particular claim is covered.
• Credentials, reviewers, or expertise we do not have. No one is described as a licensed insurance professional unless they hold that licence, and a reviewer is named only after agreeing to the role.
• Pages written to occupy a keyword rather than to answer something somebody actually asked.