How we work
Editorial policy and standards
People act on what they read here, so every guide we publish is held to one standard: primary sources, plain English, and no sales pitch. This page spells out that standard and how we keep to it.
Why these guides exist
Lanewise Auto is a guidance and education service, nothing more. Drivers bring us a question about their own car insurance, and our job is to answer it in language a non-expert can follow and act on. We explain how a coverage works, what a state requires, and what a given choice protects you against or leaves exposed. Which policy to carry, and from whom, stays entirely your call. There is no fee, nothing to sell, and no product that benefits when you read a guide. We explain, you decide.
Where our information comes from
We write from the organizations that set and enforce the rules, not from opinion and not from other websites. The sources we rely on most:
- Each state's department of insurance, including its published minimum-limit requirements and consumer bulletins
- The National Association of Insurance Commissioners (NAIC), whose model laws and consumer guides most state rules follow
- The Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC)
- The Insurance Information Institute (III)
- The Insurance Institute for Highway Safety (IIHS)
- Policy forms, filings, and consumer-rights notices published by insurers and regulators
A claim we cannot trace back to one of these stays out of the guide until it can be.
Prices and savings claims
You will not find a dollar figure for what you "should" pay, or a promise of how much you could save, anywhere on this site. Premiums depend on the driver, the state, the vehicle, and the insurer, and a national average tells you little about any single policy. When a guide does use a number to make a mechanism clear, such as a sample deductible or an illustrative claim, the text labels it as an illustration.
Education, not personal advice
Everything we publish is general information. It is not insurance, legal, tax, or financial advice, and it is not tailored to your policy. Minimum limits, coverage names, and what is available differ from state to state and from insurer to insurer. Before you change a policy, check the specifics with your insurer or a licensed professional in your state.
Review and corrections
The date on each guide tells you when it was published or last revised. We re-read guides on a schedule, and again whenever a state changes its requirements or a rule we cite is updated, and we revise or retire anything that no longer holds.
Readers are part of that process. If something in a guide looks wrong or out of date, email contact@lanewiseauto.com with the page link and what you noticed. We check every report against the sources above, fix confirmed errors, and update the guide's date when we do.
Who pays for this, and who doesn't
Lanewise Auto is funded entirely by its operator, MetricLink Labs LLC, as an educational program. We are independent of insurers, agents, and brokers: none advertises with us or supplies our content. No one outside Lanewise Auto writes, edits, reviews, or signs off on a guide, and no business relationship has a say in what we publish or in how a coverage is described. We also don't recommend specific insurers or policies. A guide succeeds when it answers the question in its title correctly, and that is the only result it is written for.
Lanewise Auto is operated by MetricLink Labs LLC. Editorial questions and corrections: contact@lanewiseauto.com.