Friends waving from a yellow convertible on an open road
Know your car cover

Know what your car policy pays before you need it

A cracked windshield, a fender bender, a driver with no insurance at all. Each one lands on a different part of your auto policy. I go through those parts with you, so your limits and costs make sense ahead of time.

Get Started See Coverage
Three friends sitting beside a light blue convertible parked along a country road
Person in a suit writing notes on a clipboard outdoors
Toy car beside a calculator, magnifying glass and notepad on a wooden desk
Why I built this site

The policy in your glovebox deserves a second look

Most drivers only open their auto policy after something goes wrong. I set up HeliaMotors so you can go over it on a calm day instead, with each part explained in terms that fit your car and your routine.

Car-first advice

Your car shapes your cover.

Every driver counted

Anyone with your keys counts.

About HeliaMotors

Right-sized limits

Match limits to what one bad crash could cost.

Roadside backup

Towing and jump-starts when your car won't go.

Gap cover on loans

Pays off the loan gap if a new car is totaled.

Coverage pieces

The parts that make up an auto policy

Liability Cover

Pays for injuries and damage you cause to others. The legal minimum is often less than it should be.

  • Bodily injury limits
  • Property damage limits
  • Legal defense costs

Collision Cover

Fixes or replaces your own car after it hits a vehicle or an object, no matter who caused the crash.

  • Two-car crashes
  • Single-car accidents
  • Rollover damage

Weather and Theft

Covers damage unrelated to driving, like hail, a fallen branch, a break-in or a deer on a dark road.

  • Theft and vandalism
  • Storm and flood harm
  • Cracked windshields

Uninsured Motorist

Steps in if the other driver has no insurance, or too little of it, to pay for injuries and repairs.

  • Hit-and-run cases
  • Underinsured drivers
  • Your own medical bills
Getting set up

From your first message to cover that fits your car

01

Share Your Car Details

Sign up and tell me the car's year, model and main use, plus who drives it and any loan on it.

Car and driver info
02

Go Over Your Options

I lay out the limits, deductible and add-ons that suit your car, so you can weigh up each one.

Cover choices
03

Pick Your Start Date

Once the cover feels right, set the day it begins and keep your proof of insurance in the car.

Policy start
Driver stories

What drivers noticed once their cover made sense

Glenn Harper

Asked about gap cover

My loan was bigger than the car was worth and I never knew it. Gap cover had never come up before. Now I know what happens if it is totaled.

Tricia Wheeler

Added a teen driver

I dreaded putting my teenage son on the policy. The limits and the extra cost were laid out so clearly that I made the choice in an evening.

Randy Colson

Raised liability limits

I kept the state minimum for years. After seeing what one bad crash could cost, I raised my limits and the numbers finally match what I own.

Megan Stroud

Dropped an unused add-on

I was paying for roadside help I already had through my car club. That got spotted fast, and those savings now go toward a lower deductible.

Phil Garrity

Checked rental cover

Before a long road trip, I learned my collision cover carried over to a rental car. I skipped the extra charge at the counter without worry.

Driver questions

Things drivers wonder about before they sign up

Often your liability and collision carry over to a rental you use for personal trips, with the same limits you already carry. Check before you turn down the rental desk's offer.

If your car is totaled while you still owe on a loan or lease, gap cover pays the difference between the car's value and the balance left on the loan.

It can. Some drivers pay for minor repairs out of pocket to keep a clean record. Whether that makes sense depends on the size of the repair bill.

Usually yes, once they hold a license and live with you. Adding them costs more, but leaving them off can cause real trouble if they crash.

If your car is older or you often drive long stretches alone, help with a tow, a jump-start or a lockout can be handy. Check you don't already have it through a car club.

Yellow car driving down a snowy street during a winter storm

Ask me about any part of your policy

Send a Question
Worth a look today

Find the gaps in your car cover early

A liability limit set too low, no rental cover, a deductible you couldn't pay next week. Gaps like these usually show up after a crash. Sign up and I'll help you spot them while your car is still parked in the driveway.

Sign Up Now