About

About TurnYourClaim

Last reviewed: July 2026

TurnYourClaim is an independent research and publishing project focused on one question: what should a person do after a car accident in their state? We publish state-specific guides for ten U.S. states (Texas, California, Florida, Georgia, North Carolina, New York, Illinois, Pennsylvania, Ohio, and New Jersey), covering accident reporting deadlines, insurance claim procedures, fault systems, and statutes of limitations.

Most people only deal with a serious car accident once or twice in their lives — and when it happens, they have no idea what the next 30 days look like. State laws vary widely, deadlines are short, and a single missed step (a late accident report, the wrong insurance election, an unrecorded statement) can cost thousands of dollars or eliminate a claim entirely. TurnYourClaim translates the rules — and recent rule changes — of each state into plain-language guides so a non-lawyer can understand what is legally required and what their options are.

Who Runs This Site

TurnYourClaim is run by Moogwang Jin, an independent researcher and publisher. Moogwang Jin is not an attorney, a claims adjuster, or a financial advisor. The work is research and publishing: reading the actual state statutes, comparing how each state handles the same type of claim, and turning dense legal language into steps a non-lawyer can follow.

Articles on this site are published under the editorial responsibility of Moogwang Jin. New articles are drafted with AI-assisted research and then checked against the primary state statute or agency source before they go live, using the process described below. A byline indicates editorial responsibility for that guide, not the establishment of an attorney-client relationship. TurnYourClaim is published by Sapipine, Inc., the company behind a small group of independent research sites that explain complicated systems — claims, benefits, and the paperwork in between.

Editorial Process

Every guide on this site goes through the following process:

1. Primary-source research. Each guide starts from state government sources — state legislatures, departments of insurance, departments of motor vehicles, and state bar associations — cited directly when relevant.
2. Cross-verification. Each piece of legal data (statute of limitations, minimum insurance, fault rule, reporting deadline) is checked against at least two independent .gov or official sources before publication, in a review step run separately from the drafting step.
3. Plain-language rewrite. Legal terminology is rewritten into language a person without legal training can read, targeting an 8th-grade reading level.
4. Periodic review. Laws change. Every state guide is re-checked at least once per year against current government sources, and updated immediately when a material change is found. The "Last updated" date on each guide shows when it was most recently checked.

Recent Editorial Updates

• March 2026 — Cross-verified all ten state guides against .gov sources. Updated Florida (HB 837 comparative-fault transition), New Jersey (15/30/5 → 35/70/25 minimum insurance, effective Jan 1, 2026), North Carolina (30/60/25 → 50/100/50, effective July 1, 2025), California (statute reference SB 1107), Ohio (PD statute of limitations 2 years), Georgia (DMV reporting window 10 days).
• February 2026 — Initial publication of all 70 articles across 10 states.

What We Are Not

TurnYourClaim is not a law firm. We do not represent clients, file claims, or give legal advice on specific situations. Reading a guide on this Site does not create an attorney-client relationship.

TurnYourClaim is not a lawyer referral service as defined under state bar rules. When you submit a case-evaluation form, your information may be forwarded to independent attorneys or third-party attorney networks (such as 4LegalLeads) who may be able to assist you. Those attorneys and networks are independent businesses; we do not represent them, and they do not represent us.

Some pages include advertising or attorney case-evaluation forms. We take no payment to feature a specific law firm, product, or claim type, and advertising does not influence our editorial coverage.

By the Numbers

• 10 U.S. states covered
• 70+ in-depth guides
• 2026 cross-verification of all state legal data against .gov sources
• 8th-grade target reading level

Get in Touch

If you need help connecting with an attorney about a specific accident, use our Free Attorney Consultation form. For editorial questions or corrections, email [email protected]. For privacy questions, see our Privacy Policy.