Changelog

What we added, corrected and removed, newest first. Corrections reported by readers are listed here once they are made.

Last updated November 3, 2026

November 3, 2026: Diagrams added to 27 guides and every state page

Added original diagrams with worked numbers to eight guides, including how the four fault rules compare, the first 30 days after a crash, the two total loss tests and where a settlement goes. Each one has a separate layout for phones.
Added charts built from our own state data, such as how many states allow 1 to 6 years to file and maps of the no pay, no play and total loss rules we have verified. They update automatically when we verify more states.
Every state page now has a timeline of its filing and notice deadlines, drawn from the same verified data as the page.

Reorganized all 50 state pages so each rule appears once with its citation, added an "On this page" menu, and replaced FAQs that only repeated the table with practical examples.
New guides: when a car is totaled, by state, crashes involving uninsured drivers, subrogation demand letters, tow and storage fees and car seat replacement. State-by-state tables list only rules we confirmed in an official source.
New tools: the diminished value calculator and the tow and storage fee calculator, plus five new letter templates.
Added printable versions of the glovebox card, a 30-day checklist and a blank information exchange form, site search, and our methodology page.
Checked every outbound link and replaced or removed links that no longer work. Confirmed Georgia's uninsured motorist rule, Hawaii's PIP limit and Kentucky's PIP limit in the statutes; removed a few figures we could not confirm (for example Kentucky's tort threshold amount and an Indiana response period).

Re-checked state facts against official statutes and regulations. Where a figure could not be confirmed (for example some government damage caps and report fees), we removed it and now link to the statute instead.
Corrected the Hawaii minimum liability limits to 40/80/20 (effective January 1, 2026), the Texas PIP wording so it matches the statute and the New York fault rule (the 2026 change covers only no-fault personal injury suits).
Added the insurance claim delay checker, total loss offer checker, car loan gap calculator and rental and loss-of-use calculator.
Added guides on insurers that don't respond, total loss and the appraisal clause, being sued after a crash, settlement releases and disputing a fault decision, plus four letter templates.
Replaced dead links to the Ohio, Virginia, North Carolina and Rhode Island insurance departments.

Published a cookie policy listing each advertising and consent cookie, and added a "Privacy and cookie settings" link to every page for visitors in the EEA, UK and Switzerland.
Refreshed the site design.

Earlier versions of this site included a lawyer directory compiled from third-party sources. We removed it because we could not verify its accuracy, and replaced it with links to each state's official lawyer license search and bar referral service.
Published state law pages for all 50 states with citations, the first set of calculators, guides and letter templates, and our editorial policy.

Found an error? See our contact page. How we check facts is described in our methodology.