Effective date: February 3, 2026
Welcome to Car Policy Answers. By accessing or using this website, you agree to these Terms of Service. If you do not agree, please do not use the site.
1. What this site is (and isn’t)
Car Policy Answers is an independent educational website focused on auto insurance topics in the United States.
- We do not sell insurance
- We do not provide quotes
- We do not recommend specific insurers or products
- Nothing on this site is legal, financial, or insurance advice
What this means: Use our content to learn general concepts. For decisions about coverage, consult licensed professionals and official state resources.
2. Using the site
You agree to use this site lawfully and responsibly.
You may not:
- Attempt to disrupt or damage the site
- Copy or scrape content at scale
- Use the site to distribute malicious software
3. Content ownership
Unless otherwise stated, all content on Car Policy Answers is owned by us and protected by intellectual property laws.
You may:
- Read and share links to our content
- Use the content for personal, non-commercial purposes
You may not:
- Republish full articles without permission
- Present our content as your own
4. Accuracy and updates
We work to keep our content accurate and current, but we do not guarantee completeness or timeliness. Insurance rules can vary by state and change over time.
What this means: Always verify details using official sources and policy documents.
5. Third-party links
This site may include links to third-party websites. We do not control or endorse those sites and are not responsible for their content or practices.
6. Advertising and analytics
We may use analytics tools and display third-party advertising to support the site. These partners may use cookies or similar technologies. See our Privacy Policy and Cookies Policy for details.
7. Disclaimer of warranties
This site is provided “as is” and “as available.” We make no warranties, express or implied, regarding accuracy, reliability, or fitness for a particular purpose.
8. Limitation of liability
To the fullest extent permitted by law, Car Policy Answers is not liable for any indirect, incidental, or consequential damages arising from the use of this site.
9. Indemnification
You agree to indemnify and hold harmless Car Policy Answers from claims or damages arising from your use of the site or violation of these terms.
10. Changes to these terms
We may update these Terms of Service at any time. Continued use of the site after changes means you accept the updated terms.
11. Contact
Questions? Contact us at contact@carpolicyanswers.com