Keep this in the glovebox.
No jargon, no scare tactics — the arithmetic and the playbooks we give our own clients. This is information, not advice about your specific situation.
- Coverage
25/50/25 is not a plan: what state-minimum coverage actually buys
Ohio’s minimum limits haven’t moved since 2013. Medical bills and car prices have. Here’s the honest arithmetic on what the cheapest legal policy leaves exposed.
- Pricing
Telematics, honestly: who saves with a driving app — and who shouldn’t plug in
Carriers advertise the discount, never the surcharge. A former underwriter explains how the scoring actually works and which drivers come out ahead.
- Claims
The total-loss playbook: getting paid what your car was actually worth
A former adjuster on the valuation software, the comps it conveniently misses, and the two emails that most often move a settlement.