Most of us don’t think about auto insurance until the worst possible moment — after a crash, the tow truck is on its way, and we’re suddenly flipping through paperwork we’ve never actually read. Episode 110 of Unseen Impact is here to fix that. Kerrie and Rory welcome back insurance guru Chad Colson, who turns the notoriously confusing declarations page into something you can actually understand — and even use to protect yourself.

Chad breaks down the essentials: why bodily injury limits matter, what “full coverage” doesn’t mean, and the difference between comprehensive and collision. He explains unreadable versus ratable claims, how deductibles really work, and why adding uninsured/underinsured motorist coverage might be the smartest thing you ever do. The trio also dives into OEM parts, towing endorsements, student-driver rules, and the claims process most people never think about until it’s too late.

Through humor, real stories, and a few unforgettable moments (including a throwback to the infamous “Red Asphalt” safety video), this episode helps drivers make smarter decisions before an accident happens — when it still counts.

If you drive, insure a car, or love someone who does, this is required listening. Watch the full episode, subscribe, and stay protected.

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