Auto Insurance Policies

This is the piece that answers for you when a crash comes back as your fault. It pays the injury bills and the property damage owed to the other side, and that is precisely where a bare state minimum runs dry first. I size your limits against what you own and what you earn, not against the smallest number the law will accept.

• Injury limits I set per person and per accident
• Damage owed on the other driver's vehicle
• Legal defense costs on a covered claim
• Limit choices weighed against what you own

Collision picks up the repair bill after a wreck no matter who caused it. Comprehensive covers the trouble that has nothing to do with driving at all, like hail on a parked car, a theft overnight, rising water or a deer stepping out on a dark road. Both run on a deductible, and I will show you how much of your price is sitting in that one number.

• Repair or replacement once a wreck is covered
• Theft, fire, floodwater, hail and falling debris
• Windshield and glass work
• Deductible levels I price side by side for you

Medical cover follows the people inside the car instead of the metal wrapped around them. It helps with treatment for you and your passengers whichever way fault falls, and it starts working while the argument over blame is still going on. If your health plan carries a heavy deductible, I will tell you plainly that this piece matters more than most people expect.

• Treatment for you and everyone riding along
• Help that arrives whichever way fault falls
• Ongoing care tied back to the crash
• Fitting it alongside the health plan you hold

A lot of drivers out there carry nothing at all, and plenty more carry a limit far too thin for the damage they can do. I treat this coverage as your backstop for that exact moment. It steps in when the other driver has no policy, when their limit runs dry partway through your bill, or when the car that hit you simply keeps going.

• Cover for the driver who carries nothing
• A top up when their limit gives out
• Protection when the other car keeps going
• Limits I mirror against your liability side

The small failures never pick a convenient morning to happen. A flat on the shoulder, a battery that will not turn over in a parking lot, keys sitting on the seat behind a locked door. Roadside help and a rental while the repair happens cost very little to bolt on, and they are the pieces I see drivers use most.

• A tow to whichever shop you trust
• Jump starts, fuel drops and lockout help
• Flat tire help right there on the shoulder
• A rental to drive while yours is in the shop