Liability Limits
Pays for harm you cause to other people and their cars. Pick limits with room.
Your car, your limits
Car Cover Sorted Before the Next Drive.
Liability, collision, deductibles. See what each part of a car policy does, then pick limits that suit the way you drive.
Coverage basics
Four Parts Worth Knowing on Any Car Policy
About RicherCars
One Driver, One Car, One Policy That Makes Sense
RicherCars is a one-person site built around a single job: helping you understand the auto policy in front of you. You bring the car, the drivers and the budget. I help line up the pieces so the final choice is yours.
- Clear answers on limits, deductibles and add-ons.
- No push to buy more cover than your car needs.
How it works
Three Moves From Curious to Covered
01
Share Your Car Details
Year, model, who drives it and how far. That sets the starting point.
02
Set Limits and Deductible
Choose what each part pays and the amount you cover first on a claim.
03
Review and Sign Up
Look over the summary, then send the signup form. I follow up by email.
Common questions
Car Policy Questions Drivers Ask Before Signing
No. Collision handles crash damage. Hail, theft, fire and hitting a deer fall under a separate part of the policy, often called other-than-collision cover.
Pick an amount you could pay tomorrow without stress. A higher deductible can trim your premium, but only helps if that cash is there when a claim comes up.
Plenty of drivers carry little or no insurance. If one of them hits you, this part can pay for your injuries and, depending on your policy, your car repairs too.
Keep the policy active until the new owner drives away. Then cancel it or move it to your next car, so there is no gap in your insurance history.
I go through each signup form myself and reply by email with the next steps, so you know which details are still needed to set up your car policy.
Driver feedback