Honestly, even clear examples from insurance reps can be misleading. I once got a "clear scenario" from mine, followed it exactly, and still ended up in coverage limbo... Insurance companies love their gray areas, keeps things interesting I guess, haha.
Had something similar happen when I let my roommate borrow my car for a quick grocery run. She got rear-ended at a stoplight—not her fault—but suddenly my insurance was playing detective, asking all sorts of questions about permissions and frequency of use. Took weeks to sort out, even though I'd specifically asked beforehand if occasional borrowing was covered. Lesson learned: always double-check the fine print yourself, reps mean well but they're not always spot-on...
Did they ask you the classic "how often exactly is occasional?" question too? 😂 Insurance can get weirdly philosophical sometimes... Glad it eventually worked out, but yeah, always worth a second glance at that fine print.
"Insurance can get weirdly philosophical sometimes..."
Haha, philosophical or just intentionally vague? Honestly, feels like insurance companies keep it ambiguous on purpose to wiggle out of claims. Learned the hard way myself—now I always triple-check that fine print... paranoia pays off sometimes.
Actually, it's not always intentional vagueness—insurance definitions and exclusions are typically standardized by regulators. The confusion usually happens because most of us don't read the policy thoroughly until it's too late... learned that from my instructor during driver's ed, lol.
