Insurance answers with the evidence attached. Free to read, and nothing to fill in.
41 lines of insurance indexed, 10 written up in full, 16 questions answered, 274 source records behind them. Operated by WJB Services, Inc. dba Bollinsure Insurance Services. No account, no email, and no quote is required to read any of it.
| Measure | Value | What it means |
|---|---|---|
| Source records | 274 | Each carries a publisher, dates, and the exact claims it supports. |
| Primary sources | 236 of 274 | Statutes, regulations, regulator guidance, and official records. |
| Stale sources | 0 | Past the review window. Flagged on every page that cites them. |
| Independently rechecked | 4 of 274 | Confirmed again after the day it was added. The rest carry the date they were read on, and say so. |
| Most recent review | September 5, 2026 | A named person signed off on that page before it published. |
| Pages corrected | 0 | Every material correction is logged in public. |
Current state of the published corpus, counted from the source registry.
- Sources
- 274 records, 236 primary
- Stale
- 0 past the review window
- Reviewed
- September 5, 2026
- Corrected
- 0 pages
Useful places to start
Chosen by a reviewer for how often the underlying confusion causes a real problem. These are not usage counts.
Does homeowners insurance cover earthquake damage in California?
Generally no, and California law says so in the statute itself: section 10083(a) prescribes the wording insurers must use for the mandatory earthquake offer, in at least 10-point boldface ty
What is the difference between replacement cost and market value?
Replacement cost is the cost to repair or replace damaged property using materials of a like kind and quality; market value is a different number, because it includes the price of land and d
What is a claims-made retroactive date?
On a claims-made liability policy written with a retroactive date, that date is the earliest point at which the injury, damage, or wrongful act can have happened and still fall inside what t
How do workers compensation class codes affect a quote?
Start with which system applies, because that is a question of state. NCCI states that its Experience Rating Plan does not apply in California, Delaware, Michigan, New Jersey, New York or Pe
What does a lender insurance requirement actually prove?
A lender insurance requirement proves the loan condition is satisfied. It is written around the loan and the collateral, not around whether a household could recover. For flood, 42 U.S.C. 40
What does a surety bond guarantee, and how is it different from insurance?
A surety bond guarantees that the bonded party will perform an obligation, and it is written for the party that required the bond rather than the party that pays for it. NASBP describes a su
Organized around entities, not a blog chronology
The library is arranged by what a thing is, not when it was written. Every record links to the questions that depend on it.
Coverage library
What a line is designed to protect, what it commonly covers, and the policy-form caveats.
Question library
Every question with a direct answer, its assumptions, and what would change it.
Companies and regulators
Verified identity, regulator records, and official channels. No ratings summaries.
States
Regulator, rate mechanism, residual market, and current statutory minimums.
Examples
Public records, composites, and hypotheticals, each labeled for exactly what it is.
Tools
Organize a contract requirement, a renewal, or a policy comparison. Nothing is uploaded.
Recently reviewed
Sorted by the date a person last checked the page against its sources.
Can my insurer make me use their repair shop after a California car accident?
No. California prohibits an insurer from requiring that an automobile be repaired at a specific automotive repair dealer. It may not even suggest or recommend one unless
Community association insurance (California)
The insurance program a California homeowners association buys for itself: property on the common area, general liability, crime and fidelity, and directors and officers
Does a California guarantee fund cover my surplus lines policy if the insurer fails?
No. California requires the surplus line broker and the nonadmitted insurer to tell you in writing, in boldface 16-point type on a freestanding document you sign, that th
How many insurers have to decline before a broker can place my risk in the non-admitted market?
Three, but the number is evidence rather than the rule. California requires the broker to make a diligent search among admitted insurers that actually write the type of i
Surplus lines (California)
Not a line of insurance so much as a route to one. When no admitted California insurer will write a risk, a licensed surplus line broker may place it with a nonadmitted i
Why did my California underinsured motorist coverage pay nothing?
Most often because the at-fault driver carried liability limits equal to or above your own uninsured motorist limit, which in California leaves nothing for the coverage t
What this site will and will not do
It will
- State the direct answer first, then the conditions.
- Map every material claim to a dated source you can open.
- Say when competent sources disagree, or when a rule is changing.
- Show the author, the reviewer, and the review date.
- Publish corrections with the prior wording intact.
- Say "insufficient evidence" rather than fill a gap.
It will not
- Give legal, tax, medical, lending, investment, or claims advice.
- Decide whether a specific risk is eligible, bound, or uninsurable.
- Rank insurers, or publish a "best" or "cheapest" claim.
- Require an email, a phone number, or an account to read anything.
- Collect a declarations page, a document, or your contact details.
- Invent an example, a premium, a savings figure, or a claim outcome.