Corrections policy

How to report an error

The exact page URL where you saw the issue.
A quoted sentence or the specific claim you believe is wrong.
A link to a primary source that supports the correct value, if you have one. For regulatory and statutory claims, a state insurance department page, DMV page, state statute, or AM Best / NAIC publication is ideal.

You do not need to be a lawyer, an expert, or a journalist to report an error. If something on a page looks wrong, that is enough; we will investigate.

What happens when you report

Acknowledgement within 1 business day. An editor replies to the email with a tracking reference and a timeline. If the reported issue is clearly a typo or formatting problem, the fix typically ships the same day.
Investigation within 5 business days for factual claims that require source review. The editor pulls the page's cited sources, cross-checks against the primary record (state statute, DOI consumer guide, AM Best filing, NAIC Consumer Information Source entry, where applicable), and confirms or revises the claim.
Escalation for methodology disputes. If the reported issue is not a point-in-fact error but a question about how we interpreted or weighted the underlying evidence, the editor routes the file to the review team, which responds within 10 business days with either an updated page, a published explanation, or both.
Publication of material corrections. Fixes to factual claims, rate figures, ranking positions, or citations are logged publicly on the affected page with the date, the previous value, and the reason. See What we log vs what we silently fix below.

What counts as a material correction

A correction is material and gets a dated, publicly-logged note on the affected page if any of the following applies:

A factual claim about a statute, regulation, or state rule changed.
A rate figure, premium benchmark, or cost comparison was wrong (whether modeled rate, expenditure, observed premium, or quote).
A ranking position, shortlist membership, or recommendation was changed.
A citation was wrong (misattributed, broken link, superseded by a newer primary source).
A carrier fact was wrong (AM Best rating, telematics mechanic, coverage availability, state footprint, legal entity).

What we log vs what we silently fix

Silently fixed, not logged: typos, broken internal anchors, formatting fixes, image alt-text, mobile layout adjustments, and markup changes that do not affect the meaning of a sentence. These are housekeeping.

Publicly logged on the page: everything in the material-correction list above. The log entry includes the date, a one-line description of what changed, and the previous value where appropriate. We do not silently change numbers.

Why primary sources

Our content ladder sits on primary and authoritative secondary sources: state insurance departments, state DMV or SOS equivalents, state statutes and administrative codes, carrier filings and 10-K disclosures, AM Best, NAIC, the Insurance Information Institute, and J.D. Power regional press releases. Where we cite a Tier 3 publisher aggregator (NerdWallet, ValuePenguin, LendingTree) for a modeled rate figure, we disclose the methodology that figure comes from and note that modeled rates are not quotes.

A correction is strongest when it points at a specific primary source. We will still investigate reports that only identify a claim as wrong without a source; those just take longer to resolve.

What corrections cannot do

Legal, tax, or insurance advice. YesWeSure content is informational. A corrections request cannot convert a published page into licensed professional advice. For a decision that affects a specific policy or claim, consult a licensed professional in your state.
Change a carrier's underwriting rules. If a page describes how a carrier underwrites and the carrier changes its filing, we update the page; we cannot change what the carrier does.
Compel a carrier to respond. If a page summarizes a carrier's position and the carrier later takes a different position, we update the page to reflect the new primary record.

Editorial independence

YesWeSure accepts advertiser compensation for certain quote-comparison and lead-generation links, disclosed inline and on our advertiser disclosure page. Advertiser status does not change what we publish about a carrier, does not change rankings or shortlists, and does not change the sources we cite. If a correction concerns a carrier that is currently an advertiser, the review path and the public log entry are the same as for any other carrier.

Our full editorial posture is documented in our editorial standards and how we make money pages.

Material corrections log

Chronological log of material corrections per the definition above. Each entry names the affected page or page group, what the page previously said, what it says now, the date the fix shipped to production, and the primary source we used to verify the correct value. Entries are kept in reverse chronological order.

California Casualty AM Best upgrade action date, October 24, 2026. Affected pages: /car-insurance/reviews/california-casualty and every provider-comparison page pairing California Casualty.
Was: “AM Best UPGRADED California Casualty Indemnity Exchange and its subsidiaries on August 17, 2026 to Financial Strength Rating B+ (Good) and Long-Term Issuer Credit Rating bbb- (Good) from B (Fair) / bb+ (Fair).”
Is: Action date corrected to August 13, 2026 (the AM Best release date via Business Wire). August 17 was the Insurance Journal mirror publication date. Rating movement is unchanged (B+ (Good) / bbb- (Good) from B (Fair) / bb+ (Fair) with Stable outlook).
Source: AM Best via Business Wire release dated August 13, 2026 (Financial Content mirror bizwire-2026-8-13).
NJM AM Best action date, October 24, 2026. Affected page: /car-insurance/reviews/njm and the Hartford vs USAA / provider-comparison files that reference NJM AM Best.
Was: “AM Best affirms NJM A+ (Superior); revises ICR outlook to Negative (May 1, 2025).” URL pointed to the Insurance Journal mirror.
Is: Action date corrected to April 30, 2025 (the Business Wire release date). May 1, 2025 was the Insurance Journal publication date. FSR and ICR affirmed; Long-Term ICR outlook revised to Negative from Stable, unchanged.
Source: AM Best via Business Wire release 20250430868063.
Carrier AM Best affirmation dates on the /best hub, October 24, 2026. Affected page: /car-insurance/best.
Was: GEICO AM Best A++ affirmed “February 21, 2025”; Progressive A+ affirmed “April 2025”; Travelers A++ affirmed “August 8, 2025”; USAA A++ affirmed with no explicit date; Amica status given as “A+ (Superior) reported; verify directly at AM Best.”
Is: GEICO A++ affirmed April 16, 2026; Progressive A+ affirmed May 1, 2026; Travelers A++ affirmed August 21, 2026; USAA A++ (and “aaa” Long-Term ICR) affirmed June 25, 2026; Amica A+ (Superior) with outlook revised to Stable from Negative on March 13, 2026. Source URLs for all five swapped to the AM Best primary release via Business Wire.
Source: AM Best via Business Wire releases dated April 16, 2026 (GEICO), May 1, 2026 (Progressive), June 25, 2026 (USAA), August 21, 2026 (Travelers), March 13, 2026 (Amica). State Farm (Nov 14, 2025) and Erie (Sept 5, 2025 downgrade + Sept 11, 2026 affirmation) source URLs on the same page also swapped to Business Wire primary in the same pass.
NerdWallet “Best car insurance” source URL and analysis dates on the /best hub, October 24, 2026. Affected page: /car-insurance/best.
Was: “NerdWallet: Best Car Insurance Companies (April 2026 analysis)” linking nerdwallet.com/insurance/best-car-insurance. Two body passages cited “NerdWallet’s April 2026 analysis” for the Amica top-overall pick and for Mapfre $35/mo + Auto-Owners $37/mo on minimum coverage.
Is: “NerdWallet: The Best Car Insurance Companies of 2026 (updated October 1, 2026)” linking nerdwallet.com/best/insurance/car-insurance-companies. The Amica passage now reads “NerdWallet named Amica its best overall car insurance company for October 2026 (updated October 1, 2026)” and the Mapfre/Auto-Owners passage now reads “NerdWallet’s October 1, 2026 analysis.” The old URL returned a 404 at verification; the dollar figures from the current article match.
Source: NerdWallet, The Best Car Insurance Companies of 2026 (updated October 1, 2026) and Best Cheap Car Insurance Companies (updated October 1, 2026).
Liberty Mutual rating outlook, October 23, 2026. Affected page: /car-insurance/reviews/liberty-mutual and every provider-comparison page pairing Liberty Mutual.
Was: “FSR A (Excellent); stable outlook; no action in last 24 months,” dated to the September 10, 2025 affirmation.
Is: FSR A (Excellent) with stable outlook; Long-Term Issuer Credit Rating outlook revised to Positive from Stable on October 8, 2026, with FSR and ICRs affirmed in the same action.
Source: AM Best press release via Business Wire mirror, “AM Best Revises Issuer Credit Rating Outlook to Positive of Liberty Mutual Holding Company Inc. and Its Subsidiary” (October 8, 2026).
Auto-Owners AM Best rating tier, October 23, 2026. Affected pages: /car-insurance/reviews/auto-owners, /car-insurance/comparisons/auto-owners-vs-erie, /car-insurance/reviews/travelers, and other pages that grouped the top AM Best Superior tier.
Was: Auto-Owners described as A++ (Superior), the top AM Best FSR tier, including on claims that Travelers was “at the same tier as GEICO, USAA, and Auto-Owners.”
Is: Auto-Owners A+ (Superior) since the October 31, 2024 downgrade from A++. Travelers passages now list GEICO and USAA as the current top-tier company co-set, and name both the October 2024 Auto-Owners and November 2025 State Farm downgrades as the reason the top-tier is smaller than it used to be.
Source: AM Best, “AM Best Downgrades Credit Ratings of Members of Auto-Owners Insurance Group” (October 31, 2024); linked via Business Wire mirror.
Progressive Large Accident Forgiveness qualification rule, October 23, 2026. Affected pages: /car-insurance/coverage/accident-forgiveness, /car-insurance/best/with-accident-forgiveness, and other pages that cited the Progressive earning path.
Was: “Earned after 5 years with Progressive and claim-free for 3 of those years.”
Is: Available through Progressive’s Loyalty Rewards after at least 5 years with Progressive AND up to 5 consecutive accident- and violation-free years. Small Accident Forgiveness is now described as the automatic benefit that keeps rates flat for a first claim at or below $500.
Source: Progressive, “What Is Accident Forgiveness?” (progressive.com/answers/what-is-accident-forgiveness/).
State Farm AM Best downgrade: action date and tier movement, October 23, 2026. Affected pages: /car-insurance/reviews/state-farm, /car-insurance/reviews/state-farm/discounts, /car-insurance/best/for-teens, and every provider-comparison page pairing State Farm.
Was: In two places (/best/for-teens and /reviews/state-farm/discounts), the AM Best action was dated to “November 17, 2025.” In three provider-comparison files (allstate-vs-state-farm, farmers-vs-state-farm, state-farm-vs-usaa), the downgrade was described as “A++ to A.”
Is: AM Best action is November 14, 2025 (November 17 was the Carrier Management publication date, not the action date). The actual tier movement was FSR A++ (Superior) to A+ (Superior); Long-Term ICR aa+ to aa; outlook revised to Stable from Negative.
Source: AM Best, “AM Best Downgrades Credit Ratings of State Farm Mutual Automobile Insurance Company and Affiliates” (November 14, 2025); linked via Business Wire.
Virginia FR-44 minimum liability limits, October 23, 2026. Affected page: /car-insurance/best/high-risk.
Was: “Virginia FR-44 is 60/120/40.”
Is: Virginia FR-44 limits are 100/200/50, derived explicitly from the Virginia DMV’s statement that FR-44 is double the Virginia SR-22 statutory minimum. Virginia’s SR-22 minimum under Va. Code § 46.2-472 effective January 1, 2025 is 50/100/25; double that is 100/200/50.
Source: Virginia DMV, Financial Responsibility Certifications; Va. Code § 46.2-472.
No-fault state list, October 23, 2026. Affected page: /car-insurance/best/for-seniors.
Was: “No-fault states (FL, MI, NY, NJ, KY, MN, HI, PA, UT, MA, ND), PIP is mandated.” (11 states listed; Kansas was omitted.)
Is: “The 12 no-fault states (FL, HI, KS, KY, MA, MI, MN, NJ, NY, ND, PA, UT) require some form of PIP; the mix of mandatory and choice no-fault varies.”
Source: Insurance Information Institute, no-fault jurisdictions list (12 states plus Puerto Rico).
Amica AM Best action date, October 23, 2026. Affected pages: /car-insurance/reviews/amica and every provider-comparison page pairing Amica.
Was: AM Best outlook revision to Stable from Negative dated to “March 17, 2026.”
Is: Dated to March 13, 2026 (the actual AM Best action date); FSR A+ (Superior) and ICR aa- affirmed; outlook revised to Stable from Negative.
Source: AM Best, “AM Best Revises Outlooks to Stable for Amica Mutual Insurance Company and Subsidiaries” (March 13, 2026); linked via Business Wire.

Scope of this policy

This policy applies to every published consumer-facing editorial page on yeswesure.com, including state guides, provider reviews, head-to-head comparisons, coverage guides, cost analyses, situation guides, questions pages, and all best-of shortlists. Rate quotes shown by the quote-comparison tool are not editorial content; they are live carrier data and are governed by the terms of the quote-comparison provider.

Direct contact

For a correction, email corrections@yeswesure.com. For editorial complaints that do not involve a factual error, use the same address and we will route the file.