Your car, your cover

See What Your Policy Truly Covers

The roadside after a crash is a rough place to learn your limits. Go through liability, collision, deductibles and add-ons with me first, so the bill never arrives as a shock.

Go Over Your Policy
Two cars after a side collision on a gravel road
Scratched car fender being checked against an insurance form

Inside every policy

A Stack of Policy Terms, Sorted Into What Matters.

Most auto policies hide the useful parts: how much gets paid, when it gets paid and what you owe first. I go through yours with you, limit by limit, and point out where a gap could cost you after a fender bender or a stolen car.

Limits, deductibles and add-ons, each one explained.

Learn the Approach

Coverage you can pick

Three Parts of a Policy That Do the Heavy Lifting

Liability Cover

Pays for the injuries and damages you cause to others.

Collision Cover

Repairs your own car after a crash, whoever caused it.

Uninsured Motorist

Steps in when the driver at fault has no means to pay.

Reasons to pick this desk

Why Drivers Bring Their Auto Policy Here

I work alone, so the person who explains your liability limits is the same one who answers after a fender bender.

  • The Same Person Every Time

    Each question about your auto policy goes straight to me.

  • Your Budget Sets the Pace

    Deductibles and limits get scaled to what you can afford.

  • Claim Steps Laid Out Early

    Learn what to save and who to tell before a crash occurs.

  • Add-Ons Only When Useful

    Roadside and rental cover is raised only if it suits you.

From the driver's seat

Gaps Drivers Found Before They Cost Money

My old plan had no towing at all and I never knew. One short email later I added roadside help, and it paid for my tow the very next month.

Hubert S. Asked about towing cover

Adding my son to the policy looked scary on price. I was shown which limits to keep and which discount to ask for, so the bill stayed fair.

Estelle B. Asked about a teen driver

I lease my car and had never once heard of gap cover. Now I know what the lender would still want from me if the car were ever written off.

Russell K. Asked about a leased car

Questions drivers send

Answers to the Things Policies Leave Vague

They are caps: injury per person, injury per crash and damage to other people's property. Costs above them fall on you.

Often not. Many policies treat glass apart from crash damage, sometimes with a smaller deductible or none at all.

The insurer pays what the car was worth just before the loss, minus your deductible, not what you first paid for it.

Only when rental reimbursement is on the policy. It carries a daily cap and a day limit, so it is worth checking both.

Even a brief gap can push your next rate up, and any crash during that gap is paid entirely from your own pocket.