Our Why

The founder of Better Insurance is a Midwest native that joined the military after college for greater opportunity enroute to realizing the freedom of being an entrepreneur.  Growing up as the oldest child from a poor family, he saw how every little bit of money mattered in a household of a single mom and 4 kids.  Perhaps you - the potential client - can relate to not always having enough money or being denied access to basic necessities or the things that others might take for granted.  Every little bit helps.

​

The founder was always good at many things, but never great at any one thing.  One of his talents was driving - he is an accomplished driver that has never wrecked a vehicle in 30+ years of driving, was licensed on every Army tracked vehicle and most wheeled vehicles currently in operation, and has completed 16,000+ people and food deliveries while putting 300,000 miles on a new vehicle.  Simply put, he is a good driver that paid car insurance all his life, and realized that paying thousands of dollars over the years with no return is unsatisfactory as a standard of business. 

 

In a time where the dollar has lost its value due to inflation and the rising cost of living across the country, every little bit helps.  This Better Insurance endeavor will help the poor, the working class, and the middle class in a way that has never been done before.  Historically, auto insurance has only benefitted those who have a wreck or a claim while everyone else pays for their mistakes or misfortune.  By the numbers, it is possible to reward everyone for contributing to the paying down of one's risk and still be able to cover liabilities when they occur.  

​

Auto insurance is simply money management to offset the financial impact of risk realized for those who aren't wealthy enough to pay out of pocket for the burden of damaging property or causing injury to others due to unforeseeable circumstances, their choices, or habitual behaviors while operating a motor vehicle.  That money is held in a liability pool, and is allocated to cover monetary damages for healthcare costs and property damage repair or replacement costs.

 

Lawyers and insurance companies compete to obtain as many dollars as they can from individual clients per incident where damages have occurred.  Insurance companies don't project the true costs of what it takes to properly manage insurance revenues on behalf of clients, so they turn to gimmicks like introductory rates, deductibles, and refusing to pay the actual costs of repair, replacement, and recovery when something bad happens to a client or their vehicle.  In addition, the government and the so-called 'free market' have enabled investors to compete for profit dollars generated through collected revenue or investments / holdings by the insurance companies.  That means the insurance companies can't pay you because they have obligated those dollars to investors or their own profit. 

 

It should be noted here that when government compels you to buy a product or be penalized for not doing so, the free market ceases to exist.  

​​

Founder's Bottom Line:  Paying thousands of dollars for car insurance for years on end and never receiving any benefit for it is not the best way to do business - insurance should generate a return on investment, and it shouldn't take a tragedy for that return to happen.  

​

We decided to upend the existing errant practices of auto insurance and do it better - thus the aptly named Better Insurance.  The only investors we will ever have will be those who help us upfront in order to launch and meet industry and state requirements for on-hand revenues and to stand up our infrastructure for support of our clients.  Where other insurance companies operate on a 2-10% profit margin, we operate on 1%, with 99% of all revenues going back to the client directly or in direct support of those who have a wreck or claim. 

 

We will prosecute con artists and grifters looking to exploit our clients in the name of get-rich-quick schemes or fraud.  We will seek disbarment of corrupt legal representatives and hold con artists liable to the fullest extent of the law until they can no longer play the games they do.  Good people shouldn't pay money to thieves and grifters for any reason, which means those types should never have access in the first place to money that belongs to better people than they - the members of Better Insurance.