ABOUT THE AUTHOR
Dave has his undergraduate degree in Engineering and Masters in Business.
He has worked in relationship sales and sales training for 25 years and has
been in the insurance business for the last 6 years, opening his agency in
Dave's business philosophy is to differentiate his agency by offering strong
personal service and good advice to his clients whether they need
coverage consultation or claims help, creating a boutique agency. He
gives all his clients his personal cell phone so they can get their problems
solved, even after hours.
If you want an agent who will buy a ticket on the train of life with you
instead of one who just sells a policy, then Burdick Insurance is the agency
TESTIMONIALS ABOUT DAVE
“Dave handles my homeowner's insurance as well as all the autos in our household. He provides us with
outstanding customer service on top of the great value in insurance coverage. My wife and I recommend
Dave to all of our contacts.” Craig F.
“Dave is a man with the utmost of integrity. He will not go near anything that is in the least bit question-
able. Dave is a problem solver. If you have a problem, he is there to help you with it...no matter what it is.
He is a very smart businessman who truly cares about his clients and friends. I highly recommend Dave
with the utmost respect and praise.” Stephanie C.
“It is with great pleasure that I recommend David as an insurance professional. David is genuine and
looks for his customers’ best interests. Through professional networking, I’ve had the opportunity to
witness David in action and see the positive outcomes of his work. David is full or resources and knowl-
edge, which makes him an excellent network contact.” Carlos A.
Burdick Insurance ∙ 6825 Manhattan Blvd. #101 ∙ Fort Worth TX 76120 ∙ 817.719.1671 ∙ www.insuredfw.com
By Dave Burdick
Auto insurance can be confusing, so let's look at the basic coverage in a policy with an
eye toward spending our money to get the best value.
First is liability coverage. Typically this covers you
and the people on your policy for the damage/injury
they do to others through their negligence while
driving a car. The limits cover bodily injury and
For example, 100/300/100 limits means:
• $100,000 per person bodily injury coverage per accident;
• $300,000 for all persons per accident; and
• $100,000 of property damage per accident.
Bodily injury covers such things as medical bills,
rehabilitation, lost wages, pain and suffering. Property
damage includes damage to the other vehicle and any related
damage to buildings, vehicle contents, and clean up of spilled
chemicals or material as a result of the accident. Having
sufficient liability is critical since the driver who causes an accident is responsible for
the charges in excess of the policy limits.
Burdick Insurance | AUTO INSURANCE SECRETS 1
Second is uninsured motorist. This coverage protects you from the cost of being hit
by a motorist who has no coverage or whose limits of coverage are less than the
damages he causes in the accident. I usually suggest that the limits for uninsured and
under insured coverage be the same as the liability coverage on the policy.
Premiums for liability coverage are usually very reasonable, representing a good
insurance value. These limits should be selected based on your annual income and
Comprehensive and collision cover the insured against
damage to their vehicle as a result of falling objects
and theft (comprehensive) or damage the insured does
to their vehicle in an at fault accident.
The decision to carry these two coverages can be analyzed as follows:
• When the deductible plus premium for these coverage is more than 10% of the
vehicle value, then the decision to carry this coverage can be reviewed.
For example, if the deductibles are $500 and the annual QUESTIONS?
premium for comp and collision is $300 (total $800), then the CONTACT ME
decision to carry these coverages should be reviewed if the
value of the vehicle is less than $8,000.
• There is always a “peace of mind” consideration in any insurance decision, so one
should be comfortable with the additional risk they assume when dropping comp
and collision coverage. Some people will be more comfortable with this decision
Burdick Insurance | AUTO INSURANCE SECRETS 2
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Burdick Insuran | AUTO IN
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