A lot of folks don’t realize those are capped or have weird exclusions until they need them.
That’s the truth—learned it the hard way last year when my “luxury” roadside coverage turned out to mean a tow truck that wouldn’t touch my car unless I signed a waiver for scratches. Honestly, the rental coverage is even trickier. Some policies only cover a Camry, which is fine unless you’re used to something a little... shinier. Always double-check what you’re actually getting, especially if you’re picky about your wheels.
Yeah, the rental coverage fine print is wild. I found out mine only paid for a compact, which was a bit of a joke considering my daily driver isn’t exactly tiny. Honestly, I don’t trust half of what’s in those insurance packets anymore—you really do have to read every line, or you’ll end up stuck with something that feels like a downgrade. Not sure why they can’t just be clear about it... but I guess that’s how they get you.
Yeah, I hear you. Last year, after my third fender bender, I found out my “comprehensive” policy only covered a rental if I was willing to squeeze into a subcompact. I’m 6’3”—that wasn’t happening. It’s like they bury the real info in legal mumbo jumbo just hoping you won’t notice. Honestly, reading those packets feels like a full-time job, but skipping it’s cost me before. You’re not alone—insurance companies love their loopholes.
Honestly, I get why you’re frustrated, but I’ve actually had a different experience. After my last accident (someone rear-ended my S-Class, ugh), my agent walked me through the rental coverage options. Turns out, if you ask, some companies will let you pay a bit more for “like-kind” rentals—so I didn’t have to cram into a tiny hatchback. It’s still a pain to read the fine print, but sometimes there are better options if you push for them. Insurance is definitely a maze though...
I get where you’re coming from, but “like-kind” rentals aren’t always as straightforward as they sound. I’ve seen folks pay extra and still end up with something way off from their actual car. Depends a lot on availability and how the policy’s worded... it’s not always a sure thing.
