Yeah, the OEM parts thing tripped me up too. I thought if you had full coverage, they'd just use the same parts as the original, but apparently not unless you specifically ask or pay extra? It’s wild how much of this stuff is buried in fine print. Ever notice how even the “explanations” from agents can feel like a pop quiz? I started double-checking my policy after a friend got stuck with a weirdly painted door panel... Makes me wonder what else I’m missing.
Yeah, it’s honestly a headache trying to keep up with all the fine print. I used to think “full coverage” meant just that, but nope... learned the hard way after a bumper replacement didn’t match the rest of my car. You’re definitely not alone in double-checking things—insurance feels like a maze sometimes. At least you caught it before something weird happened to your own car.
I used to think “full coverage” meant just that, but nope... learned the hard way after a bumper replacement didn’t match the rest of my car.
Yeah, that whole “full coverage” label is kinda misleading, isn’t it? Makes you wonder what you’re actually paying for month after month. I’ve had similar surprises—like, do they just expect us to memorize all those exceptions? Sometimes I think they make it confusing on purpose. Still, checking the details ahead of time like you did is smart. Better safe than sorry when it comes to insurance headaches.
Yeah, that whole “full coverage” label is kinda misleading, isn’t it? Makes you wonder what you’re actually paying for month after month.
Right? I always figured “full coverage” meant you’re set, but then you find out about all these weird exclusions and fine print. Like, why wouldn’t a new bumper match the rest of the car? That just seems like common sense. I’ve started reading the policy docs more closely, but honestly, who has time to memorize all that legal jargon? Sometimes I wonder if they count on us just giving up and paying whatever.
I get where you’re coming from, but I actually think it’s on us to know what we’re buying. I learned the hard way after an accident a few years ago—turns out “full coverage” didn’t mean my rental car was covered while mine was in the shop. Since then, I always ask a ton of questions before renewing. It’s annoying, but I’d rather be safe than sorry. The fine print is a pain, but missing something can get expensive fast.
