Editorial and source policy

Primary-source rule

Sources we use first

We prefer regulators, government consumer services, official insurer guidance, and provider terms. These sources are closest to the rule or process being explained.

How we use other sources

A news report or other secondary source may point us to an issue. It does not replace the official source for a deadline, right, or required step.

Financial and insurance boundaries

What a guide can say

A guide can explain common steps and show where rules may change by location. It can help a reader prepare questions and evidence.

What a guide cannot decide

We do not predict claim approval, fault, recovery amounts, or dispute results. If a person may be in danger, local emergency help comes before paperwork.

AI-assisted work

Software may help with drafting, formatting, quality checks, and original art. That does not make a page ready to publish.

Every page must pass a human standard

• It must solve a clear and distinct problem.
• Its key claims must match reliable sources.
• Its steps must be useful and easy to scan.
• It must receive an editorial review.

We do not invent experts, product tests, or personal experience.

Corrections and dates

What a review date means

Important pages show a review date. We change that date only when the guidance has been checked in a meaningful way.

How to report an error

Send the page URL, the sentence at issue, and a primary source through the editorial contact page. If a source has changed, we update the affected guidance.

Advertising and commercial independence

Advertising does not control article topics, step order, sources, or conclusions. The site does not load browser-push advertising or automatic affiliate-link rewriting.

Clear separation from guidance

• Any future paid outbound link must be clearly identified and technically marked as sponsored.
• No bank, insurer, or recovery company can pay to enter an action plan.
• An ad must not look like an emergency step, tool result, menu, or official link.
• Advertising must not alter browser history, trigger a notification prompt, or obstruct navigation.