When you are at fault
Liability Limits
Pays for injuries and property damage you cause. I check whether your limits would truly hold after a serious crash.
Auto Cover, Piece by Piece
Here is how I break a car policy into parts, so you can see what each one pays for and decide what belongs on yours.
A second pair of eyes
How I Read the Policy You Already Hold
Send me your declarations page and I will go through it with you line by line, in words that make sense.
- I compare your liability limits with what you own and could lose.
- I check that your deductible matches the cash you keep aside.
- I flag drivers, cars or addresses that are out of date.
- I point out extras you may already get from a card or a club.
You leave with a short list of what to keep, raise or drop
What I do
The Parts of a Car Policy
The Parts of a Car Policy
I Help You Weigh
Each piece covers a different kind of bad day. I explain what it pays for and whether it fits your car and budget.
Your own repairs
Collision Cover
Fixes your car after a crash no matter who caused it. I help you judge whether it still earns its cost on an older vehicle.
Off the road damage
Comprehensive Cover
Handles theft, hail, fire, flooding and a run in with a deer. I explain which events count and which ones do not.
When they cannot pay
Uninsured Drivers
Steps in when the other driver carries too little or nothing at all. I show why this piece is easy to skip and costly to miss.
People in the car
Medical Payments
Helps with medical bills for you and your passengers. I explain how it sits next to the health plan you already have.
Getting back on the road
Towing and Rentals
Covers a tow, a lockout or a loaner while repairs run. I help you tell useful extras apart from ones you already hold.
From question to quote
What Happens After
What Happens After
You Reach Out
Share Your Vehicle
Send me the year, make and model of your car, plus who drives it most often.
Send Your Old Policy
I go over your current limits and deductibles and point out any gaps I find.
Compare Options
I explain what each limit and deductible means for your car and your budget.
Drive Away Ready
You pick the cover that feels right, at your own pace, with no push from me.
Cover questions
What Drivers Ask Me About Their Cover
Short answers on the parts of a policy that cause the most confusion.
Start Your QuoteCollision pays when your car hits another car or an object. Comprehensive covers most other harm, such as theft, storms, fire or an animal on the road. Lenders usually want both on a financed car.
They keep you legal, but they were not written around what a serious crash can cost. Anything above your limits could land on you. I help you weigh how much higher makes sense for what you own.
No. It applies to collision and comprehensive, not to liability. It is the share you pay before the policy steps in, so it should be an amount you could cover without strain.
You usually need a policy written for the new state, since rules and required cover change at the border. Tell your insurer before the move so there is no gap in between.
If you have no second car and depend on yours for work, it can save a stressful week. If a household car or a card benefit already fills that need, it may simply repeat what you have.