The Old Way vs. The New Way

Making sense of your auto insurance policy used to be slow, confusing, and one-sided. That’s why we built something better!

According to the Insurance Research Council, 1 in 3 drivers are either uninsured or underinsured — and most don’t find out until after a claim. Our AI scans your policy to make sure you’re not one of them.

Why The “Old Way” Fails

• Confusing: Insurance terms are vague and hard to interpret.
• Time-consuming: Reviewing your policy manually is slow and intimidating.
• Biased: Agents work for insurers — not necessarily for you.
• Reactive: Most people only find problems after a claim, when it’s too late.

How The New Way Fixes It

• Fast: Upload your policy or answer a few questions — analysis in under 2 minutes.
• Smart: AI reads every detail and compares it to state laws, industry norms, and your needs.
• Actionable: Get instant, practical recommendations to save money and boost protection.
• Trustworthy: We don’t sell insurance — we just help you make smarter decisions.

Insurance Should Work for You — Not Against You

Let’s be honest — auto insurance is confusing, frustrating, and feels like it’s designed to trap you, not protect you. You’re handed 20 pages of legal jargon, expected to guess what you need, and then penalized if you get it wrong.

We built this tool because we were tired of watching good people get burned by bad policies.

Like Liam who had a Liability Limit Nightmare

Liam, 38, from Atlanta rear-ended another driver during rush hour. His state-minimum liability coverage maxed out at $25,000 — but the total damage and medical bills came to over $60,000. He was on the hook for the difference.

Our tool would’ve flagged that his liability limit was dangerously low and suggested increasing it to $100,000 — for just a few dollars more per month.

Or Maria who dealt with Misleading “Full Coverage”

Maria, 31, from Houston, thought she had full coverage, until her car was totaled in a flood. Her policy didn’t include comprehensive coverage, so she got nothing. She’s now paying off a car she doesn’t own anymore.

Our analyzer would’ve detected the missing comprehensive protection and recommended it, especially since she lives in a flood-prone ZIP code.

Or Alex, an Uber driver who found out the hard way…

His personal auto insurance didn’t cover rideshare work. One accident later, and he was on the hook for $12,000. The worst part? He could’ve added a rideshare endorsement for less than $10/month.

That’s why we created PolicyAI.

The Problem

The insurance industry has made it almost impossible to understand your own coverage — on purpose. They benefit when you’re in the dark.

The Transformation We Offer

We believe you should know exactly what your insurance covers, where you’re wasting money, and how to fix it — without needing to be an insurance expert.

With our AI-powered policy analyzer, PolicyAI, we make that happen:

• In plain English.
• In under 2 minutes.
• For free.

It’s insurance, but finally on your terms.

From our CEO

I started this tool because I run an insurance website and even I found it hard to understand my own policy. I thought:

“What chance does the average person have?”

So we used AI to flip the system. Not to sell you more insurance, but to help you take control of the coverage you already have.

This is just the beginning. We’re building a world where insurance is transparent, fair, and smart.

Let’s change the game together.

Max Coupland
CEO of Insuranceopedia