Car Insurance 101: 3 Tips Every Driver Needs to Know

Travis: Hey there. I'm Travis Patterson, and welcome to Driving Change. Here, you're gonna find unfiltered insights of hard hitting questions that challenge the status quo in law and in life. As a personal injury lawyer in Fort Worth, Texas, I see firsthand how challenges like distracted driving and other just general family safety issues really impact our community every single day, but I refuse to accept these problems as inevitable. In this podcast, we're gonna dig deep into real world problems, bringing you practical solutions from my experiences in practicing law, raising a family, and running my own business.

I'm not here to preach to anybody. I'm here to simply ask questions and start conversations that make you think differently and provide you actual advice that you can use right away in your own life. So welcome to driving change. Let's get to it.

Travis: Alright. Welcome to another episode of the driving change podcast. Joined today by the old Tennessee Walker. How are doing, partner?

Tennessee: Doing well. Glad to be here.

Travis: This is not Tennessee's first time. You've done a podcast with me before.

Tennessee: Yes. My second rodeo.

Travis: Backed by popular demand. There we go. It's like bring back Tennessee. Last time we were talking Bear Tree and ambulance chasing and with Tom Carr, so that was a lot of fun. Today, we wanted to hop on and do just a real practical, real quick episode on all things car insurance.

Because if there's something that Tennessee and I see every single week, it's people that are coming in here who need our help or asking for help, and there is just nothing we can do to help them because they got screwed by their insurance agent.

Tennessee: Yeah. It's a problem, like you said, that we see time in and time out. And I think there's there's a very easy solution. The problem is getting the solution out to the people that need it. And I think it stems from just a general lack of understanding of insurance and insurance coverages.

Coverages. People People don't don't understand what they need. They don't understand what they have, and the people that are out there selling the product, aren't far ahead of them in terms of their understanding, and they're not selling them the right products.

Travis: Yeah. And, you know, they're competing on price. And so people are just shopping around saying what's the lowest price for, quote unquote, full coverage, which as Tennessee and I talk about all the time, full coverage is not a thing. It it it's not real. There's no such thing as full coverage.

Tennessee: Correct. It's a term made up by the insurance industry to make you feel good about the low cost product they're selling you that they make big margins on. Yeah. It's all it is.

Travis: Yeah. When someone comes in here and says, it's okay. I have full coverage. It is like code for, oh, no. This person doesn't have hardly any insurance at all, probably.

Tennessee: Nine times out of 10, the person with full coverage has minimum coverages, the minimum required by state law.

Travis: Yeah. Coverage exist for everybody. Even for Tennessee, from and and myself, both we carry quite a bit of insurance because of what we do for a living. We don't have full coverage. We have coverage up to a certain amount.

Tennessee: Correct. We have coverage that is based on taking some time, sitting down, making an informed decision as to what we believe we need to protect our family from the dangers that are out there and to protect ourselves in the event that we make a mistake and injure someone, which could certainly happen.

Travis: Yeah. So let's talk about the big three that, you know, we we talk to folks about this all the time. Our top three tips. Like, if you're gonna get one takeaway from this podcast, it's just these three things and you take it and you text your agent or email your agent after this and say, hey, answer these three things for me. So the the the just I'm gonna list the top three, and then we'll break them down.

First is underinsured motorist coverage insurance or UIM. You you will you will hear me in Tennessee say UIM a lot in this episode. UIM insurance is number one. Number two is umbrella policies with UIM riders. Okay.

There's that word UIM again, and we're gonna write that down. And number three is PIP or personal injury protection. And that's one that one's a little bit more nuanced, but it's really important. It really helps people out when they're in a bond. So underinsured motorist coverage, Tennessee.

What is that, and why is it so important?

Tennessee: So underinsured motorist coverage is the coverage you're paying for to protect yourself and your family from the traveling public. What most people think of in terms of car insurance is liability insurance. And that's insurance where if you cause a wreck, that's the amount of insurance you carry to cover any damages that you do to the third person. And when your agents generally are selling insurance, that's what they're talking to you about. There's a good chance that when you bought your insurance, nobody even spoke to you about an under excuse me, underinsured motorist coverage.

And, actually, underinsured motorist coverage, we call it UIM. It really protects two different classes in two different situations. One is uninsured motorist. Right. So it's really and UIM.

The second is the underinsured. And the uninsured piece is very important because the statistics out there bear out that in Texas right now, roughly 20% of the people driving on the roads, despite the fact that the law says they all have to have insurance coverage

Travis: Yeah.

Tennessee: Are fully and completely uninsured. And then you'd say you carve off 20%. You've got 80% left that are following the rules by having some insurance. The vast vast majority of them have minimum coverage, probably because they were told to buy this full coverage. It provided them minimum policy limits, which isn't gonna cover much.

So you gotta protect your family.

Travis: And minimum minimum coverage for one person hit in a car hurt in a car accident is $30,000. That was set at the state level thirty years ago?

Tennessee: Yeah. It's been a while since I looked at that. I wanna say the statute was last updated in the eighties. Don't quote me on that, but it's been a long time. And it was based on, yeah, medical costs being lower, cost of cars being lower.

All those numbers have just sat there. They haven't been updated with inflation and with the time

Travis: changing. No CPI floater on that.

Tennessee: Absolutely not.

Travis: $30,000, in case you haven't noticed, doesn't go as far as as it used to. So, yeah, like Tennessee said, only 80% of the people have liability insurance, and a vast majority of those, I'd venture to say 75% of them have minimum limits.

Tennessee: Yeah. Easily. I mean, I probably would take the over on that, but that's a that's a good barometer.

Travis: Yeah. And so here with UIM insurance, you can control your own destiny to some extent. Like, you don't have to rely on getting lucky, you know, and hoping that the person that you happens to have a lot of liability insurance was most likely, like we said, they do not. And so if you go buy that UIM insurance, you can protect yourselves from that from that that scenario.

Tennessee: Correct. Yeah. It's insurance is it's fascinating. Obviously, it is at the core of everything that we do, and it's kind of ironic that, you know, we're here really pushing business for insurance companies. Yeah.

We want you to buy insurance. Although, I could, you know, go on and on about how I disagree with the way they operate as a company. But part of that and part of the disagreement is you see all these commercials on TV and they're fantastic at marketing. I mean, they are you know, I laugh at insurance commercials. They're great.

Travis: Yeah. They're fantastic.

Tennessee: But what they are not is informative. Yeah. They're selling a product, but they're promoting it without telling you anything about it, telling you the important pieces of it that you really need. And that's because what they want you to do is they want you to treat it as a low cost product, something that I should be trying to save money buying insurance. And that's just the polar opposite of how you should look at it.

Yep. It's save money on your lattes, save money on your discretionary items. Protecting your family should not be discretionary. It's something you should put a lot of thought into. You should understand what you're buying.

And to do that, you have to be a diligent consumer because the insurance company on TV, the insurance agent down the road, they're not going to do a good job of explaining to you the products and what you really need. They wanna sell you their high margin, low coverage products. What they don't tell you is as you start to increase your coverages and increase the amount of protection you're giving yourself and your family, the increments as you go up, yes, they cost more, but not a lot more and not enough of a difference where you should say it's worth risking my family's future and health.

Travis: Yeah. That's a great point. You know, you're hating on lattes over there, but, but, you know, it's ironic because you hear this a lot, like, the price of a latte

Tennessee: Correct.

Travis: Per day, you know, you can get some all this. And what's what's really interesting actually is in preparation for this episode, I looked at my own insurance. And, you know, Tennessee and I are open books about this kind of stuff. We're happy to talk to you about what we have insurance wise for our families. But I broke down the cost on these three different things and totaled all of it up.

And it come it came out to like $3 a day for what I'm talking about here. It's it's super cheap. You might say, okay. Well, I I have health insurance. So why do I really care about car insurance?

Health insurance only covers medical stuff and medical bills. It doesn't cover everything else associated with an injury. Lost earning capacity. If you can't work, if you have and that's not just lost wages. Don't wanna get too nuanced here.

But if you lose the capacity to make your your the same earnings you had before the wreck, you're entitled to recover that from the person who caused the car accident, for example. Pain and suffering, mental language disfigurement, physical impairment, know, what we call the real damages, like the real problems associated with a massive injury. None of those are covered by health insurance.

Tennessee: Yeah. I mean, insurance, we're certainly not here to tell you don't get health insurance. Please do.

Travis: Oh, absolutely.

Tennessee: It fills a a very important need, but it is minimally, if at all, overlaps with the need to have proper coverages on your auto insurance policy. You know, like Travis mentioned, there's so many damages out there that go beyond medical costs that aren't covered by health insurance. Beyond that, with health insurance, you're biting off a deductible. You're biting off an out of pocket maximum. And in many cases, you know, that's well above $10,000 out of pocket in order to receive the full benefit of your health insurance.

And so you Yes. You can save a lot of money paying for proper liability insurance and underinsured motorist insurance that can offset having to come out of pocket for the deductible and the out of pocket max on your on your health insurance. And then you also have the protection through the proper liability and underinsured motorist coverage for all of these additional real damages. Yeah. I mean, if you're if you're going if you're gonna be in the hospital for an extended period of time, which is a real possibility if you're in a wreck, you're probably also not going back to work right away.

Yeah. You know, many people, families depend on them to be able to work. There's just so many things. That health insurance, while great to have, isn't it's not gonna leave you where you need to be, which is back on your feet and not in a bad, bad financial position at the end of a recovery from a wreck.

Travis: Yep. 100%. So, T Dub, how much UIM insurance should somebody carry?

Tennessee: My recommendation my recommendation is at least $250,000. And under Texas law, you you should never insure the public for more than you insure yourself, meaning don't carry a bunch of liability coverage and very little underinsured motorist coverage. But the law does require that you carry at least the same amount. So you can't insure yourself for infinitely more than you insure the public. So I recommend at least $250,000 in liability coverage and $250,000 in UIM coverage.

And the $2.50 number is because that's a qualifying minimum amount of coverage to buy an umbrella policy from almost every carrier on the market. Right.

Travis: Correct. And we'll get to umbrellas in a second. And this UIM policy, by the way, it's not just for yourself. It it covers your household, your kids, family members. Covers you when you're a pedestrian, when you're in a vehicle.

It does not cover you when you're on an e bike. We talked about that on previous episode. Insurance companies are smart about excluding danger things that are way too dangerous, but I digress. So you you recommend at least two fifty. It's no secret that you and I both carry 500.

Tennessee: Correct. Yep.

Travis: I looked at my policy this morning. Do you know what I pay a month? So farmers, you and I both have farmers.

Tennessee: Yep.

Travis: Not saying farmers is the best. It just we happen to have good relationships with our agents, and that's who we both have, different agents. But on on MyFormer's policy, breaks it out per, like, vehicle to show the the the premiums that you pay. And I was looking on it, and for one vehicle for $500,000, UIM insurance. You know how much it costs per month?

Tennessee: $10.

Travis: $16.

Tennessee: Yeah. Figured it'd be between 10 and 20.

Travis: $16 for $500,000 worth of the most important insurance that Tennessee and I talk about every single week. So, guys, just do me a favor. Don't think bad stuff cannot happen to you and your family. Yep. We we have story after story after story.

I mean, we're we're talking about one yesterday. This guy came in, super smart guy. I mean, you talk about him. I mean, he's

Tennessee: Yeah. He's a gentleman that, I've known for a very long time. He's multiple degrees. He's educated, works, and does a lot of consulting and expert work in a different field, not personal injury field, but someone who you would think of as an informed consumer, a smart man who's going to put a lot of thought into everything that he does, and also into, you know, passing down the knowledge that, to his kids that they need to be successful in life. Just really a wonderful human being.

And his daughter, who was an adult at the time, early twenties, was in a very, very bad wreck. She had someone who ran a red light and broadsided her, spent about a month in the hospital, multiple surgeries, you know, roughly a year probably to get back on her feet. Just an absolutely life altering situation. You know, thank goodness she wasn't killed. So they come to us and the dad is comes to me, and meets with, I think, Travis and I.

And he says, you know, we've told her, thankfully, in Texas, everybody has to have insurance. So, you know, you just worry about getting better and and this is gonna be okay financially. Yeah. And I had to sit there and explain to him that not everybody has full coverage because full coverage isn't a thing. Yeah.

And there's a good chance the person who hit your daughter may not even have insurance. As it turns out, I believe they did have minimum coverage, but they had $30,000. And on her policy, all that they had was the $30,000 standard UIM that you get if it's not rejected in writing. Mhmm. So there's a total of $60,000 of coverage for, you know, hospital bills that push 7 figures.

Not to mention not being able to work and a year's worth of therapy coming out of the hospital, just an absolute tragic situation. Know, and here's an intelligent, man who wants to be wrapped by his daughter and, you know, he's blaming himself because he's given her a false sense of security the hospital. Don't worry about this piece of it. He said, now I've gotta go tell her, you know, that there's financial strain and we have to work through that. Just it compounds an already bad situation.

And we see it time in and time out. It's and it spans, you know, high school educated to doctors and PhDs. The lack of information on this is equal Yeah. Among them. It's not something that blue collar or white collar.

This is a doesn't matter what color color color you wear. You need to know this information, and it's hard to find it because the insurance industry doesn't want you to have it.

Travis: Yeah. And and there are good insurance agents out there. I mean, we we keep you know, we actually have a list of the ones we've come across in the last ten years that had you just note in the you can just notice in the file, this agent did a good job by taking care of this family. Absolutely. Or people that we personally know.

I mean, we we have a list of, I don't know, fifty, seventy five agents that we would personally recommend.

Tennessee: But you gotta find someone who's proactive and wants to learn about what they're selling. Because the the industry, they silo their Salesforce from their operations and, you know, they they inform their salespeople with what they want them to be informed of to sell. And so the good agents out there know that what's available for them to sell is much different than the things they're kinda pushed to sell on a primary basis. And so the ones that go out and really learn, okay, what do I really have in my arsenal, so to speak, or inventory to sell to my clients when they come in? And, you know, this product that I didn't learn much about when I was being taught to be an agent, what is

Travis: it? Right.

Tennessee: And and would it really help my clientele? You gotta have the agent that's out there asking those questions and really trying to be differentiated from the general insurance Salesforce.

Travis: Yeah. I mean, if if you're an agent listening to this podcast, like, just take it to heart and reach out to your clients. But, hey. I noticed you have this particular policy. Let's let's talk about it because I think there's a really good reason to increase your UIM insurance.

I mean, just look around on the roads with all the distracted driving. The Texas has terrible drunk driving statistics. We're one of the worst states in the country for both of those things, by the way. And we have and we're one of the worst states in the country for the amount of people without insurance, like you've kind of already alluded to. So people are out there on the roads in a very vulnerable state.

And so I think it would mean the world to a client to get a call from an agent be like, You know, what I'm about to tell you might cost you $12 a month, but I really think you're gonna appreciate this conversation.

Tennessee: A 100%. And I mean, on the agent side too, it's a little bit of a digression for what we're talking about today, but also on the property coverage side. I mean, we talked about 30,000 being the minimum for bodily injury.

Travis: How much does a new car cost

Tennessee: these days? Yeah. And the minimum for property is $25,000 I mean, so as an agent, if you're selling if somebody pulls up in your lot in a nice vehicle and you're selling them minimum coverage, you should know you're not selling them enough insurance to replace their car if they get in a bad wreck. Yeah. So just have those conversations and start to change the thought process and narrative of I'm selling a low cost product to I'm selling something that could be the lifeline these people need when tragedy strikes.

Travis: 100%. Alright. So that's number one, UIM insurance. Call your agent and get as much UIM insurance as you possibly can. Number two, an extension of UIM.

Like Tennessee said, if you get at least $250,000 worth of underlying car insurance, you know, your liability and your UIM, then you can get an umbrella that sits on top of that. Umbrellas typically are a million dollars of coverage. It's what you see most often for individuals. And again, this product is super, super cheap. The reason car insurance companies sell it so for such a good price because, you know, it takes a pretty decent sized accident to get into that level of coverage.

And so, hopefully, you don't have to use it, but it's very good in case you need it.

Tennessee: Yeah. It's I mean, I think umbrella is really a good term. Yeah. I mean, it's it is there. You know, you carry an umbrella in your car all the time, and the amount of times that you really, really need that umbrella are pretty minimal.

But, you know, when it's raining cats and dogs and you've gotta go across the parking lot, it's it's you thank the Lord that you have

Travis: it. Right.

Tennessee: And in terms of the coverage piece here, yeah, most wrecks that we see are not causing damages sufficient to get into an umbrella layer. I mean, that's the honest truth. And that, you know, thankfully. Otherwise, we'd have a lot more people dying on our roads. We already have enough of that.

Yep. But when it does happen, to have that coverage, it's that, you know, moment that's gonna allow you to sleep well for the rest of your life. Yeah. If your loved one or yourself, you're the person that's in the hospital, you're hit by somebody who has no coverage or $30,000, you had had to use the jaws of life to get you out of the car, You're careful out of the hospital. You're there for six weeks and multiple surgeries, and it's a year long recovery process.

Not having that umbrella, when you get to the end of that year long process, the other piece of the law you're gonna be learning about is bankruptcy law. Yeah. And but if you have the umbrella and you planned for the worst case scenario and you spent that little additional money like you talked about per month to protect yourself and protect your family, you're able to focus on your recovery, get back on your feet, and be in, you know, the same position you were before. Not take a step back and not have that additional financial stress hanging over your head.

Travis: Yeah. But remember, if you do go out and buy an umbrella, make sure you tell your agent, I want it to include UIM insurance. Like, do not just say, I want an umbrella because I I promise you, you will most likely see a liability only umbrella.

Tennessee: 100%. Yep.

Travis: So for Tennessee and I both have $1,000,000 umbrellas with UIM riders, mine costs $2 a day.

Tennessee: Yeah. Haven't done the math on mine, but I it's gotta be about that. It's I know I have in the past, and it was minimal. I think I looked at on a monthly basis, not a per day basis, but that sounds about right.

Travis: So for those doing the math at home, I think we're up to about $2.50 per day. So still not the price of that latte Tennessee was talking about. But, yeah, you know, just imagine, like, something bad happens to someone in your family. But being able to walk into that room and say, guys, I know the person who caused this left the scene or doesn't have insurance or whatever, but I took care of this. I took the steps necessary before this happened, and I protected you.

Like, we got this because of this decision we made, which takes two seconds to go get that umbrella. Yep. It's just a matter of just being responsible and protecting your loved ones. Third, PIP versus med pay. This is probably something that most people don't think about on a day to day basis like you and I do.

Tennessee: True. This is

Travis: a little more this

Tennessee: is a little more drilling down to a more granular level,

Travis: but Wasn't that character in Great Expectations, Pip? You're an English major?

Tennessee: Yeah. Yeah. Minor. Not a major.

Travis: Okay. Okay.

Tennessee: But close.

Travis: Hey, got trivia coming up on Friday. You better freshen up.

Tennessee: Okay. I'm I'm afraid I may not shine.

Travis: I'm I'm the trivia host at PLG's Christmas party this Friday. We have some spots remaining if anybody out there wants to come. Alright. PIP versus MedPay. So, Tennessee, take it away.

What's PIP? What's MedPay?

Tennessee: So PIP is an acronym for personal injury protection coverage. MedPay is a shortened version of medical payments coverage. Both of those fall into the same initial category, which is no fault insurance coverage. And so these are coverages that you can buy as add ons. They have lower limits available to purchase.

PIP is usually, $2,500 as your baseline level. You can get five. You can get up to 10. And you can go higher than that. It's kind of an emerging trend actually where they're selling higher levels of PIP.

I don't know that I have a really formulated opinion on that, but I do recommend $10,000 of PIP. Now going higher than that, I'd have to think more about it.

Travis: I I tried mine. It's not available for me. I don't know if farmers would say more than 10, but, yeah, I I've we've seen we see more than that just occasionally.

Tennessee: Yeah. It's very it's very rare, but it seems like in the last 20 I guess, the year 2025, I've probably seen more PIP limits above 10,000 than I've ever seen. Now that's still probably like 10 times in the year, not a Yeah. It's not super prevalent. MedPay, similar type of limits that you can buy, but the major difference here is PIP is a non subrogable product.

Med Pay is subrogable.

Travis: That's gotta be the first time that word's ever been used on a podcast.

Tennessee: Well, yeah. We'll break it down. It's not a word we use every day. So basically, what it means is with MedPay, you could be paying really just to have the right to get a short term loan from your insurance carrier. So you get in a wreck whether it's your fault or not.

Well, let's take the situation where it's not your fault. But it's gonna take a while to hold the other party responsible to determine if they've got coverage or not. You've got a an ER bill that's $5,000. You can submit that and the MedPay coverage will pay it. Now, if you go down the road and you hold the other person that caused this responsible and you get a recovery for them under MedPay, they're gonna say, remember that loan I gave you to cover that initial bill?

I'd like that back out of your settlement. And so that's what subrogation is is I gave a gift, but I have the right to take it back and they will exercise it. Yep. PIP is non subrogatable, which means it is something that once it is paid out, and it's also a broader category of coverage than than MedPay. MedPay is literally just medical payments coverage, so medical expenses.

Mhmm. PIP covers medical expenses at a 100% just like MedPay does, and then 80 of lost wages and household services and other things like that. If you had to have somebody come in to clean your house because you can't do it. Correct. So it's a broader scope of coverage.

Both are no fault.

Travis: Childcare. Can help you with childcare.

Tennessee: Care as well. And PIP, again, once they pay it, even if you go get a recovery against the person who ultimately caused this down the road, they don't have the right to say give me my money back. This is an additional for the premiums I pay per month if this wreck happens and I submit the proper paperwork to document it, you owe it to me. And I can move on down the road. I can still try to hold the other person responsible, and I don't have to worry about you coming back and saying, now I want my loan back.

Travis: Yeah. That's correct. It's it's far superior product to MedPay. And what's interesting is, of course, it doesn't cost much more than Med Pay. So don't waste your time with Med Pay.

Focus on PIP. Talk to your agent about that. I look to mine. Again, my PIP costs $10,000 worth of PIP. It's like 75¢ per day, something crazy.

Tennessee: No. It's minuscule.

Travis: Yeah. So if you're doing the math and on, we're up to like $3, $3.03 3 and a quarter per day to get pretty darn good coverage to protect you and your family.

Tennessee: Yep. And, you know, you mentioned earlier, if you're an agent listening to this, don't sell MedBay.

Travis: Oh, yeah. Exactly. The other thing too, speaking of agents, if you're out there and and let's say you were in a car accident or something, and don't assume you don't have UIM insurance or PIP. Okay? It the insurance company has has to offer those things, and if you reject them, you they have to get that rejection in writing.

And if they can't produce them, we see we do see this from time to time, that the insurance company cannot produce the written rejection. Yep. And so then they have to offer the coverage. I believe it's 30,000 for UIM and 2,500 for PIP.

Tennessee: Yeah. So per law, if they can't produce a a written rejection signed by the insured, then it defaults to UIM coverage that matches the state minimum limits, which is 30,000 of coverage and 2,500 in PIP. And even recently, we have had a case where the failure to produce that rejection, the carrier honored coverage for UIM commensurate with or equal to the liability coverage that had been purchased, which was more than $30,000 Right. Which was, you know, hey, if you're you know, if we're gonna criticize insurance companies for when they do things that are wrong, I think that was a it was a very fair policy to their consumer

Travis: Absolutely.

Tennessee: To the client.

Travis: Yeah. Yeah. Occasionally, we see them doing doing the right thing. Someone, you know, it's funny the other day, was listening to the radio and they were talking about why car insurance commercial why do they have the best commercials?

Tennessee: They have the most money.

Travis: They got a lot of money. They take a lot of premiums and they don't pay out claims as often as they should. But, that is why we are here and that is what we do for a living is is make them pay those claims. Alright, Tennessee. Anything else people need to know about car insurance before I let you get back to work?

Tennessee: Oh, I'm sure there's quite a bit, but I think that's enough to think about for now. And just, yeah, kinda leave it with the thought of, you know, don't insure your family and yourself for less than you insure the public. And to your point, call your agent, make sure you've got under insured, uninsured motorist coverage and at least $250,000 of it. Certainly more than minimums. And PIP coverage, and go get that umbrella.

Travis: Yeah. And something I tell people too, we do free insurance reviews too. So if you wanna just log on to your account and see what coverage you have, take a screenshot or whatever, and send it over to us, we'll tell you what we think.

Tennessee: Yep.

Travis: Happy to help. Alright, Tennessee. Thanks.

Tennessee: You bet. Enjoyed it.

Travis: If you liked today's episode,

Travis: please subscribe to the podcast, and don't forget to leave us a review. It really does help us get the word out. As we dive into these important conversations about safety and about community, I'm reminded of why I became a personal injury lawyer in the first place. Every single day, I see people whose lives have been turned upside down because of some accident in one form or another. It's a confusing and overwhelming time, and it can feel impossible for folks to

Travis: know where to turn. If you or

Travis: someone you love have been in an accident like that and you need honest guidance, give us a call. We'll get to know you, get to know your story, and we will be with you every step

Travis: of the way. Thank you

Travis: for listening, and we'll see you next time.