Liability Cover
Meets the medical bills and repair costs of other people when a crash is your fault.
Your Coverage Plan
Every part of an auto policy, taken one piece at a time, so you know what each one pays for.
What a plan is made of
A Coverage Plan Is a Set of Promises, Each With Its Own Price.
An auto policy is not one single thing. It is a bundle of separate covers, and each one has its own cap, its own deductible and its own share of the premium.
I take that bundle apart with you. Once you can see what every piece does, it gets much easier to decide which ones to raise, which to trim and which to leave alone.
- Every cover described in everyday words.
- Limits weighed against what you own.
- Deductibles matched to what you could pay.
What I do
Six Covers I Walk Through With Every Driver
Collision Cover
Fixes or replaces your own vehicle after it hits another car or a fixed object.
Comprehensive Cover
Handles theft, hail, fire, falling branches and animal strikes away from a crash.
Uninsured Motorist
Protects you when the other driver carries no policy or far too little of one.
Medical Payments
Helps with treatment costs for you and your passengers, whoever was at fault.
Roadside and Rental
Covers a tow, a jump start or a temporary car while yours sits in the shop.
Two words worth knowing
Limits and Deductibles Decide Who Pays What
The Limit
A limit is the most your insurer will pay for one kind of loss. Anything above it comes out of your own pocket, so a low limit can leave savings and wages exposed after a serious crash.
Set it against what you stand to lose.
The Deductible
A deductible is the part of a claim you cover before the insurer pays the rest. A larger one lowers your premium, yet it has to be an amount you could hand over without strain.
Pick a figure you could pay tomorrow.
What moves the price
Six Things Insurers Weigh When They Price a Plan
Your Driving Record
Tickets and past claims tell an insurer how likely a new claim is.
Where the Car Is Kept
Theft, weather and traffic differ by neighborhood, and rates follow them.
How Far You Drive
More time on the road means more chances for something to go wrong.
The Car Itself
Repair costs, safety features and theft risk all vary by make and model.
The Deductible You Choose
Taking on more of each claim yourself brings the premium down.
Who Else Drives It
Every driver listed on the policy adds their own history to the price.
Plan questions
What Drivers Ask Me About Their Coverage Plan
It keeps you legal, yet a serious crash can run past those caps fast. I show you what a step up costs so you can weigh it yourself.
That depends on what the car is worth next to what the cover costs. When the two get close, dropping it can make sense.
Usually, since you take on more of each claim. I only suggest an amount you could pay without strain.
In most cases it follows the car, so a friend who borrows it leans on your policy first. Wording varies, so I check yours.