How we verify a state rule.

Where the ledger stands today

Counted from the ledger itself, so this cannot drift from what the state pages actually show. Rows last checked between Sep 4, 2026 and Sep 23, 2026; every row carries its own date.

Corrections

• Sep 13, 2026 — New Mexico's complaint link points at the Office of Superintendent of Insurance's own File a Complaint page again. It had been sent to the national NAIC complaint form instead for one reason: the Superintendent's site served a security certificate that did not match its own address, so a browser put a full-page warning in front of it. The site has since moved to new hosting, its certificates now match, and the page opens with no warning. From that page the Home, Auto & Life Insurance form leads to the same NAIC form, so a claimant ends up where they did before, and the page adds a list of what the Superintendent cannot do, among them determining the value of a claim, which the note now carries. The regulator's name field was still telling readers its source link might warn them; that sentence is removed, and its quote now cites OSI's Consumer Assistance page, where the sentence is part of the page rather than of a navigation menu. The complaint note also sent supporting documents to an OSI email address that no longer appears on OSI's site or on the form, so it is removed.
• Sep 13, 2026 — New Mexico's total-loss threshold quoted its salvage-vehicle definition as though “a vehicle” ran straight on into the definition's second limb. It does not: NMSA § 66-1-4.16(C) reads “means a vehicle: (1) other than a nonrepairable vehicle … or (2) that was determined to be uneconomical to repair …”, and the quote had left out the first limb without marking the gap. So it was not word for word, and at seventy-two words it was also far longer than a quote on this site may run. The field now quotes, exactly as the statute reads, the part of the second limb its note relies on: the insurer obtaining the claimant's agreement to the settlement amount and telling them the title must be branded. What the row says about New Mexico's rule is unchanged.
• Sep 13, 2026 — Rhode Island's total-loss floor was out of date. Since June 26, 2026, the provision that makes it an unfair claims practice to total a repairable car has set its range at 75 to 85 percent of fair market value; it used to read 75 to 80. Senate Bill 3115 and House Bill 7866, two identical acts, made the change and took effect without the Governor's signature as Public Laws 2026, chapters 286 and 287, raising the provision's other 80 percent figures to 85 as well. The row was re-checked on September 6 against the Legislature's online text of the General Laws, which still carries the old wording, so it went on showing 80 percent and describing the change as only proposed. The field now quotes the provision as the public law amended it. No audit check reads this figure, so no finding or dollar range changes.
• Sep 8, 2026 — Texas's sales-tax and title-fee fields move from unverified to no_rule, and the finding they drive moves into the headline range. The search that settles it: Tex. Ins. Code chapters 542 and 1952, 28 TAC chapter 5 subchapter A — the automobile-insurance subchapter, all 29 sections across its seven divisions — and 28 TAC chapter 21's eleven claim-related subchapters including subchapter C, Unfair Claims Settlement Practices, all 80 sections. About 446,000 characters, read in full, with no provision requiring an insurer to include sales tax or transfer fees in a total-loss settlement. An earlier attempt on September 7 could not open subchapter A because the Secretary of State's rules site was migrating, which is why the field was held open until now. Texas charges sales tax, so the cost is real; what Texas does not do is oblige the insurer to fund it, which puts the state on exactly the footing Michigan has always been on — no prescribed valuation method, settlement at actual cash value under the policy, the same good-faith duty quoted on both rows. Michigan's tax finding has always led the headline range and Texas's was excluded, on the reasoning that we would not lead with a number backed by a rule we could not find. That was a statement about our research rather than about Texas, and with the research finished the two states are treated alike. With this, no field in the ledger is unverified.
• Sep 7, 2026 — The audit raised a missing-sales-tax finding in every state, including the four that levy no sales tax. In Oregon that meant telling a claimant their insurer had left tax out of a settlement, on a page whose whole argument is that its numbers hold up — Oregon's regulation does require the insurer to pay 'all applicable taxes, license fees and other fees', but there is no Oregon sales tax for the duty to reach. Rates now live in data/tax/base-rates.json, sourced the way the ledger is, and the check declines to raise a tax shortfall where the rate is zero. The fees half of the same rule still fires, because license and transfer fees are real money on a replacement. Delaware's, Montana's and New Hampshire's sales-tax fields move from unverified to no_rule: the question is answered by what those states tax, not by how much of their insurance code has been read.
• Sep 6, 2026 — Arizona's claim-handling deadlines cited a commercial republisher over an unencrypted link — the only one left on the site — and quoted the rule as "Within fifteen working days". Ariz. Admin. Code R20-6-801(G)(1)(a) writes "Within 15 working days", and the acknowledgement clause quoted in the note said "such notice" where (E)(1) says "the notice". Both are corrected against the Cornell text this row's other fields already cite. The deadlines themselves — 10 working days to acknowledge, 15 to accept or deny, no payment clock — are unchanged.
• Sep 6, 2026 — The first run of the weekly source spot-check found two Colorado quotes that no longer matched their sections. The comparable-vehicle definition was linked to 3 CCR 702-5-2-15-5 while the text quoted is in -15-4, and it compressed "This includes, but is not limited to," into "including" — dropping the words that make the list of vehicle characteristics non-exhaustive, which is the part of the definition worth arguing from. The unfair-claims quote dropped "as defined in section 10-3-1115" from C.R.S. § 10-3-1116(1), the cross-reference that decides who can bring the action. Both are corrected against the sources; neither rule changes.
• Sep 6, 2026 — All nine Hawaii fields cited a commercial republisher of the statutes rather than the Legislature's own text. They now cite capitol.hawaii.gov, read there on this date, and every quoted field matches the official wording. Re-reading turned up one error: the comparable-vehicle quote began "Dealer quotations (when…" where HRS § 431:10C-311(a)(2) reads "The use of dealer quotations (when…" — three words had been trimmed from the front. The rule itself was stated correctly and is unchanged.
• Sep 6, 2026 — Five of the twenty-five quotes on the insurer pages were no longer on the pages they cited, and two rendered twice. GEICO's shortened salvage heading was a duplicate of the full one with two words dropped; Progressive's salvage sentence appeared twice; Progressive's valuation sentence read "Progressive reviews" where the page says "we review"; Allstate's and USAA's valuation sentences had been rewritten by the carriers. USAA was said to name CCC One as its valuation vendor — its page does not, and that was the site's only naming of a vendor, so the claim is withdrawn. Liberty Mutual has stopped publishing how it values a vehicle at all, which its page now records as a silence rather than a quote. Every remaining quote is checked against a stored copy of its source on each commit.
• Sep 6, 2026 — Kansas's comparable-vehicle row said the regulation 'sets no distance in miles' and 'does not define local market area', and carried status verified while saying so. The regulation does define it: subsection (q) adds section 9(j) to the adopted model, and (j)(2) reads 'local market area means the fifty (50) mile area surrounding the place where the claimant vehicle was principally garaged'. The row now leads with that definition and the audit screens Kansas comparables at 50 miles as a state rule rather than at our own 150-mile house threshold. The same row also asserted a 'two or more written quotations from licensed dealers' requirement; the words quotation, dealer and licensed appear nowhere in the regulation, so that sentence and the dealer-quote fallback are removed.
• Sep 6, 2026 — Louisiana's sales-tax note said R.S. 22:1892 contains no tax provision. It does: (F)(2) bars the deduction of contractor overhead, contractor profit and sales tax when determining actual cash value. The note was wrong and is corrected. The field's status is not: subsection F is scoped to first-party losses under fire and extended coverage policies, and it prohibits deducting tax rather than requiring it to be paid, so it is not an auto total-loss rule. Louisiana still has no located auto sales-tax requirement, and the finding stays out of the headline range unless a reader opts in.
• Sep 6, 2026 — Michigan's regulator name was quoted as "Department of Insurance and Financial Services" from the department's online complaint form, which uses only the initials DIFS and does not carry the full name anywhere. The name was right; the page cited for it was not. It now cites the department's own home page, read on this date. Found by the weekly source spot-check on its first full pass.
• Sep 6, 2026 — Nebraska's regulator was listed as the Department of Insurance's Consumer Affairs Division. The Department's own complaint page names the unit that examines consumer complaints the Insurance Complaint Division, and that is the name the row now carries.
• Sep 6, 2026 — The first full pass of the source spot-check read all 351 verified quotes and found four regulator fields resting on pages that no longer carry them. Texas's complaint address redirects to a new page, and the sentence quoted for both the address and the department's name is not on it — both now quote the current page. Michigan's regulator name was quoted from a form that uses only the initials. New Mexico's complaint field is demoted from verified to partial: the address is right, but the sentence attributed to it is not on the shared national portal it points at, and the Superintendent's own site cannot be reached because its security certificate does not match its name.

Corrections are one part of a wider record. Regulations that have changed or are about to, and the date each row was last checked, are in rule changes.