Man, I’ve gotten burned by the “full coverage” thing before. Years ago, I thought my policy had me covered for pretty much anything, but then a rock cracked my windshield on a road trip and it turned out glass wasn’t included unless I paid extra. Learned that lesson the hard way. Now I go through every line of my policy like I’m prepping for a test. It’s wild how something as random as hail or a tree branch can end up costing so much if you miss the fine print.
Yeah, I totally get where you’re coming from. I used to think “full coverage” meant, like, literally everything too. My parents always told me to just get the “best” insurance, but when I started driving and actually looked at the paperwork, it was kind of a shock how many things aren’t included unless you specifically ask for them. I remember when my friend’s car got sideswiped in a parking lot and the insurance company said it didn’t count as a “collision” because no one saw who did it. He was so frustrated—he thought he was covered for anything that happened to his car, but nope.
I’m super paranoid about stuff like hail or random tree branches now. I live in an area where storms can get pretty wild, and I’ve seen cars just destroyed by hail in like ten minutes. It’s weird how something that seems so rare can actually happen more often than you’d think. I spent way too long reading through my policy last time, just to make sure I wasn’t missing anything. It’s kind of overwhelming, honestly. There’s all these little add-ons and exceptions, and the language is so confusing sometimes.
I do wish insurance companies would be more upfront about what “full coverage” actually means. It feels like a marketing thing more than anything else. Like, yeah, you’re covered… except for all these random things that can still cost you thousands. I guess it’s just one of those adulting things you have to learn the hard way. I’d rather be over-prepared than get stuck with a huge bill because of some technicality.
Yeah, the “full coverage” thing is so misleading. I’ve been driving for years and I still get tripped up by all the fine print.
That’s exactly it. I had a buddy who thought he was set until a tree limb smashed his windshield—turns out glass wasn’t included unless he paid extra. Makes me wonder, has anyone actually had an insurance company pay out without some kind of hassle or loophole? Or is that just wishful thinking?It feels like a marketing thing more than anything else. Like, yeah, you’re covered… except for all these random things that can still cost you thousands.
Honestly, I’ve had insurance pay out a couple times without too much drama, but it always felt like I had to jump through some hoops. Last year, someone rear-ended me and the process was decent—just a lot of paperwork and waiting. But when my side mirror got ripped off in a parking lot, they found a reason not to cover it because of some “excluded event” clause. It’s wild how you can pay for “full coverage” and still get stuck with surprise bills... feels like you have to read every line in the policy or you’re rolling the dice.
