Editorial policy

Figures come only from named official sources

A number appears here only if it was computed from a document published by a named official body: a state insurance regulator, a state legislature, a state motor-vehicle agency, or the U.S. Bureau of Labor Statistics. There is no fourth category, and we use no aggregator data, industry surveys or other publishers’ figures, even as a cross-check.

Every figure renders with its provenance attached and does not render without it. A premium figure carries the publishing regulator, that regulator’s own definition of the hypothetical driver, the date the rates took effect or an explicit statement that no date was published, and the number of filed rates behind it. A statutory figure carries its citation, effective date and whether the coverage can be rejected.

We describe, we do not recommend

Copy on this site states what the data shows. It never tells a reader what to buy, which coverage level to choose, or which insurer to prefer. That is a rule enforced in review, not a matter of tone.

It extends to the tools. The index re-baser states how the published price index moved over a period and what a given amount corresponds to at the later index level; it never says what anyone should be paying. The coverage-gap calculator subtracts a statutory limit from a claim amount and shows the difference; it does not suggest a limit. No tool here estimates, quotes or forecasts a premium.

Corrections

If a figure here is wrong we want to know. Write to support@inventum.com.au with the page address and, if you can, the source document and the passage that contradicts us. A regulator pointing at its own publication gets the fastest handling.

Reports are triaged into three outcomes. A parsing or computation error is fixed at the source of the problem, usually the ingest code rather than the page, and the affected pages rebuild together. A disagreement between our figure and a newer edition of the source becomes a new dated record, with the prior record retained rather than quietly overwritten. A figure we cannot verify from a primary document is withdrawn while it is resolved, because a missing figure is preferable to an unverified one.

Substantive corrections are noted on the page that changed. We do not silently edit a figure and leave the page looking as though it always said so.

Review dates and freshness

Pages carry a last-reviewed date, and it means a person or a gate checked that page against its source on that date. It is deliberately not the date the underlying rates took effect, which is published separately on every premium page and is often much older.

Three things trigger a review: a Bureau of Labor Statistics release, which refreshes the price index pages, most recently for June 2026 and next on 2026-08-12; a new edition of a regulator’s survey, which fails the hash check and forces a re-ingest; and a statutory change with a known effective date.

Advertising is separate from the data

This site is supported by display advertising and by nothing else. No advertiser, network or third party has any input into which figures are published or how they are computed. The separation is structural: figures are derived at build time from committed documents, so there is no editorial decision about a number for anyone to influence.

We accept no sponsored content, paid placement, affiliate arrangement or lead-generation deal, and there are no links here to any commercial insurance service. Advertising is never placed between a tool’s input and its result, and no interstitial covers a tool.

The tools run in your browser

Every calculator here is client-side. The figures they work from are compiled into the page at build time, the arithmetic runs on your own device, and nothing you type into a tool is transmitted anywhere. There are no accounts, logins or saved profiles, because there is nothing to save.

The same shared module computes the numbers shown in the pre-rendered page and the numbers a tool produces live, so what you calculate and what the page states cannot quietly diverge. Advertising and measurement services that do set cookies are covered on the privacy page.

Questions

Who writes these pages?

PremiumTally Editorial, the brand as author. There are no personal bylines by policy. The verifiable claim is the provenance attached to each figure, not a name at the top.

What happens if a source and a statute disagree?

The primary document wins and, where the disagreement cannot be resolved, nothing is published. A statutory figure ships only when the legislature’s own text confirms it and a department or motor-vehicle agency page corroborates it; otherwise the jurisdiction shows a not-yet-verified block.

Do you take requests to add or remove an insurer?

There is nothing to add or remove. No insurer is named anywhere on this site and no per-insurer figure is published or stored in the committed data. If you believe a brand name has leaked into a page, that is a defect and we would like to hear about it.