Terms of Service

By accessing or using Coverage Criteria (https://coveragecriteria.com), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our website. We may update these terms from time to time. Continued use of the website after changes are posted constitutes acceptance of the revised terms.

Coverage Criteria publishes free, publicly available guides summarizing insurance requirements — state minimum coverage rules, licensing/bonding requirements, and related compliance information — for informational purposes only. We do not sell insurance, act as an insurance agent or broker, or process any insurance transactions. We do not accept payment, commissions, or referral fees from insurance carriers, agents, or brokers in exchange for content or placement.

The content on this website is factual and educational only — it is not legal, insurance, or financial advice, and it does not create any advisory or professional relationship between you and Coverage Criteria. Insurance requirements change and vary by individual circumstance. Always verify current requirements with your state's Department of Insurance, DMV, or relevant licensing board, and consult a licensed insurance, legal, or financial professional before making coverage decisions. See our full Disclaimer for details.

When using this website, you agree not to: - Use automated systems (bots, scrapers) to access the site in a way that sends more requests than a human could reasonably produce, or that disrupts service for other users - Attempt to gain unauthorized access to any part of the website, other user data, or connected systems - Use the website for any unlawful purpose or in violation of any applicable local, state, national, or international law - Reproduce, republish, or redistribute substantial portions of our content without permission, except for personal, non-commercial reference or as permitted under fair use

All original content on Coverage Criteria — including text, guides, comparisons, and site design — is owned by Coverage Criteria or its licensors and is protected by copyright and other intellectual property laws. You may share links to our articles and quote brief excerpts with attribution. You may not copy, republish, or redistribute full articles or substantial portions of our content without prior written permission. Facts, figures, and requirements described in our guides are drawn from publicly available government and regulatory sources and are not themselves proprietary — our specific wording, organization, and analysis are.

Our guides reference and may link to official third-party sources such as state Departments of Insurance, DMVs, and licensing boards. We are not responsible for the content, accuracy, or availability of external websites. This website displays advertising, including through Google AdSense, to support the cost of research and publication. Advertisers do not review, approve, or influence our editorial content, and we do not accept sponsored articles or paid placements within our guides. See our Privacy Policy for details on how advertising cookies are used.

This website and its content are provided "as is" and "as available" without warranties of any kind, either express or implied. While we research every guide from official government and regulatory sources and note a "last verified" date on each article, we do not warrant that the information is complete, accurate, current, or error-free at the time you read it. Insurance requirements change, and it is your responsibility to confirm current rules with the issuing state or federal agency before relying on them.

To the fullest extent permitted by law, Coverage Criteria and its contributors are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this website or reliance on its content. This includes, without limitation, damages resulting from fines, penalties, coverage gaps, or other losses connected to insurance decisions made based on information found on this site.

You agree to indemnify and hold Coverage Criteria harmless from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising from your violation of these Terms of Service or your misuse of the website.

These Terms of Service are governed by the laws of the United States, without regard to conflict-of-law principles. Any disputes arising from these terms or your use of the website will be resolved in accordance with applicable U.S. law.

We may revise these Terms of Service at any time. When we make material changes, we will: - Update the "Last Updated" date at the top of this page - Post the revised terms on this page We encourage you to review these terms periodically. Continued use of the website after changes are posted constitutes acceptance of the updated terms.

If you have questions about these Terms of Service, please contact us: **Email:** hello@coveragecriteria.com **Website:** https://coveragecriteria.com You can also reach us through our Contact page.