Coverage Plan

Four kinds of protection, with a straight answer from me on what each one pays and where it stops.

What You Can Add

Cover Shaped To How You Drive

Each block below answers a different kind of bad day. Most people I work with mix two or three of them, and you can change that blend later without starting the whole thing again.

Coverage 01

Liability Cover

This is the part that steps in for the other person when the fault turns out to be yours, paying for the harm done to them and to what they own. It stands between one bad moment at a junction and a bill that hangs over your family for years.

  • Repairs to the other car, plus fences, mailboxes and whatever else got hit
  • Treatment for anyone injured inside the vehicle you struck
  • Legal cost if the other side decides to take it further
  • A limit you set yourself, as high as you want the safety net
Coverage 02

Collision Repair

Liability looks after the other car. This one looks after yours. It makes no difference whether you met another vehicle, a guardrail, a curb taken too fast or a pole that jumped out in a tight garage.

  • Panel work and mechanical repair once the car reaches the shop
  • Money toward your next car when the repair costs more than it is worth
  • A deductible you choose yourself, which moves what you pay monthly
  • The repair shop you trust rather than one I hand you
Coverage 03

Theft And Weather

A good share of damage lands while your keys sit on the kitchen counter. Hail rolls in overnight, a branch drops in a gale, a window goes on a quiet street. This is the piece I use for trouble that happens away from the road.

  • A stolen car, and the mess left behind when someone forces a door
  • Hail dents, flood water, falling branches and storm damage
  • Fire, keyed paint and glass that needs replacing
  • Deer and other animal strikes, which most policies keep out of collision
Coverage 04

Roadside Rescue

The cheap extra that pays for itself the first time your car sulks in a parking garage. It handles the problems that annoy far more than they cost, and they always seem to land on the worst day of your week.

  • A tow to the nearest shop or back to your own driveway
  • Jump starts, a spare put on for you and fuel brought out
  • A hand getting in when the keys are locked inside the car
  • Cover attached to you, so it works in whatever you are driving
Behind The Number

What Actually Moves Your Price

Two neighbors on the same block can end up holding very different quotes. These are the levers doing most of the work, and I keep every one of them on screen while I build your plan.

The Deductible You Pick

The quickest lever I have. Take on more of the repair yourself and the monthly figure drops. Take on less and it climbs.

How Far The Car Travels

Mileage counts for more than people guess. A quick school run and a long freeway commute land in separate brackets.

What Sits In The Driveway

What it costs to fix, how easily the parts turn up and what safety kit it carries all shape the figure before I count anything else.

Who Else Holds The Keys

Every extra name on the policy shifts it. Adding one takes a minute, and I show you the difference before it takes effect.

How It Works

Covered In Four Easy Steps

Step 1

Share The Basics

Tell me what you drive and how far it usually goes.

Step 2

Compare Side By Side

See payouts, deductibles and what you pay in one view.

Step 3

Set Your Limits

Move the numbers until the cover fits your budget.

Step 4

Drive Covered

Your documents reach your inbox once you sign off.