Totally relate to this. Had something similar happen with our family SUV last year—thought I'd save a few bucks by going minimal on coverage. Then, of course, my luck ran out and we had a minor scrape in a parking lot. Nothing serious, but the repair bill was eye-watering. Learned the hard way that cheaper premiums aren't always worth it. Now I always double-check exactly what's covered and what's not before renewing... insurers definitely don't spell it out clearly enough unless you ask directly.
"Learned the hard way that cheaper premiums aren't always worth it."
Yeah, been there myself—saving a few bucks upfront feels great until reality hits. Insurance companies bank on us not reading the fine print... good on you for double-checking now, lesson learned the tough way I guess.
Yeah, cheaper isn't always better... learned that myself after a minor fender-bender. Thought I was covered, but turns out my policy had some sneaky exclusions. Now I always double-check coverage details—peace of mind beats saving a few bucks any day.
