I used to think it meant my car was basically invincible, but after reading the fine print, it’s like—nope, you’re on your own for a lot of stuff.
That’s the kicker, right? “Full coverage” just means you’ve got liability plus comp and collision, but even then, there are all these carve-outs. I had a client once who thought hail was a freak thing that’d always be covered—turns out, he’d opted out of comprehensive to save a few bucks. He was not thrilled when his car looked like a golf ball. The personal items thing gets people too... auto policies just don’t touch your stuff inside the car. It’s usually your renters or homeowners that picks that up, if at all. The language is a maze, honestly. I tell folks to check in every renewal cycle—stuff changes, and not always in ways you’d expect.
auto policies just don’t touch your stuff inside the car.
Yeah, it’s wild how “full coverage” sounds like you’re set for anything, but then you hit the fine print and it’s like, “Surprise!” I had the same misconception until my neighbor’s car got broken into and his laptop wasn’t covered. Like you said, auto insurance just skips over personal stuff. I get wanting to save money, but man, skipping comprehensive is a gamble. Policies really do change too... I almost missed a deductible hike last year because I didn’t read the renewal close enough. It’s a headache, honestly, but worth double-checking.
Yeah, that “full coverage” label is super misleading. I always tell people: step 1, actually read your policy (painful, but worth it). Step 2, check if you’ve got comprehensive—it’s the only thing that covers stuff like hail or theft. And don’t forget, personal items? That’s usually renters or homeowners insurance territory. Insurance companies love their fine print...
