Auto cover
Auto insurance read beside the rest of your plan
A car is one more line in the family budget. Bring the policy you have and we will read it with you, in plain words, before the road teaches you what it says.
Gaps people find too late
Most people learn what their car policy does not say at the worst moment, standing beside the car. Several surprises are worth asking about before then: what happens when another driver is at fault and has little or no cover of their own, how a financed car is treated, whether a borrowed car or a new teenage driver is handled the same way, and how repairs and a rental are arranged.
None of those answers can be assumed. They sit in the policy of the person asking, which is why a plain-language reading with someone who will explain every line is worth an hour of your time.
A car key on a leather fob over a folded road map, beside a brass compass
Setting it up with the household plan
This office would rather look at your car beside the rest of your cover than on its own. Life, health, home and auto draw on one budget, and a family that has written a need-based budget can see what a car policy really has to fit inside.
That is the Money Management idea applied to a driveway. In your free one-hour consultation you can bring the car policy along with the rest of the household papers and look at the whole map at once.
Dr. Massey says wherever we stand, we are there by following certain maps. A car policy bought once and never read is one of the old maps, and it is worth checking where it actually leads.
Review it when the road changes
A new driver in the house, a new or replaced car, a move across town, a different commute, a car that now sits in the driveway most days: each is a reason to ask whether the policy still fits. Ask for a review at each of those moments, and once a year when none of them has happened.
Call the office and ask for the free hour. Bring the policy you have today, even if it is a crumpled card in the glove box, and we will start there.
"You give part of your life to earn money, your money should work for you instead of banks and money lenders." Dr. Massey wrote that on his Money Management page, and it is a fair test for a car policy too: is it doing a job you understand?
At the kitchen table
Questions worth asking before you sign
- Who is covered when someone else drives?
- What if the other driver has no cover?
- How is a financed car handled?
- What changes when a teen starts driving?
- How do repairs and a rental work?
- When does this policy get reviewed next?
These are questions, not answers. The answers live in your own policy, and the hour is for finding them together.