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Auto is a daily risk. Don’t wait for a claim to teach you what your policy missed. Auto Auntie helps families understand how their auto coverage actually works—before an accident, claim, or costly mistake exposes the gaps.
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Meet Your Auto Auntie
Ladda Love Hawkins
With a background spanning auto insurance claims, driver safety, risk management, and commercial auto coverage, Ladda brings real-world expertise to every conversation. She's extra on purpose — she's your auntie who keeps it real, breaks it down, and makes sure you're protected.
Licensed multiline Insurance Agent
Claims & Risk Management Expert
Commercial Auto Specialist
Certified Driving Instructor and Special Education Educator
What We Cover
Knowledge Is Your Best Policy
I help families, parents, and everyday drivers make better decisions about auto coverage, household driving risk, and what to do when life on the road gets real.
Because most people don’t think about their policy until something happens.
And by then, the lesson is expensive.
Personal Auto Insurance
Understand your policy, know your rights, and get the coverage that actually fits your life and budget.
New & Young Drivers
Newly licensed? We'll walk you through the basics of safe driving, insurance requirements, and how to keep your rates low.
Commercial & Courier Coverage
Driving for DoorDash, Instacart, or Amazon? Your personal policy may NOT cover you. Learn what you really need.
Driver Safety & Risk Management
Practical tips, defensive driving strategies, and risk awareness that can save lives — and lower your premiums.
Who is this for …
👪 For Parents
How to add teens to your policy, what coverage they need, and how to teach safe habits early.
🚘 For New Drivers
Understanding liability, comprehensive vs. collision, and what to do after an accident.
🏘️ For Communities
Group sessions tailored to neighborhood associations, churches, schools, and nonprofits.
📦 For Couriers
Gig economy insurance gaps, rideshare coverage, and how to protect your income on every delivery.
R.I.D.E Method Framework
My signature framework helps families look at auto coverage the way it should be reviewed: through real life.
R – Risk Exposure
What could realistically happen based on who is driving, what is being driven, and how often.
I – Insurance Alignment
Does your current policy actually match that risk?
D – Decision Points
What choices affect your protection, premium, and out-of-pocket costs?
E – Event Response
What do you do when an accident, claim, breakdown, or coverage issue happens?
Make Money on the Road
Turn Your Car Into a Paycheck — The Right Way
The gig economy is booming, but most new couriers and rideshare drivers don't know that standard personal auto policies won't cover them during deliveries. One claim can wipe out months of earnings.
Auto Auntie teaches you exactly how to structure your insurance so you're covered, compliant, and confident — whether you drive for Uber, Lyft, DoorDash, Amazon Flex, or run your own small delivery operation.
Rideshare Insurance Gaps
Know which "period" you're in and what covers you.
Commercial Policy Options
Affordable coverage built for the way you actually work.
Income Protection Strategy
Keep earning even when something goes wrong.
Did You Know?
Most personal auto insurance policies exclude coverage when your vehicle is used for hire or delivery — even for a single trip. Don't find out the hard way.
Join the Auto Auntie Community 💜

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Contact Auto Auntie
Have a question about your coverage, want to book a workshop, or just need some real talk about your auto insurance? Reach out — Auntie's got you.
Auto is everyday risk. Your understanding should match it.
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