Yeah, that “full coverage” label is super misleading. I remember sitting down with my parents to look over my policy and being shocked at how much stuff isn’t actually covered unless you specifically add it. It’s definitely not silly to call and double-check—honestly, I think more people should do that. The way they word things in those documents is confusing on purpose, I swear.
One thing my instructor suggested was to make a checklist of what you want covered before even talking to an agent. Like, just jot down hail, theft, vandalism, whatever else, and literally ask about each one. It feels a little awkward but it’s way better than finding out after something bad happens. Insurance is one of those things where being cautious pays off, even if it means asking what might seem like “dumb” questions.
You did the right thing by checking. I’d rather feel awkward for five minutes than deal with a totaled car and no coverage...
Yeah, “full coverage” is such a loaded term. People throw it around like it means you’re safe from anything, but unless you read every line, it’s easy to miss what’s actually included. I’ve had agents breeze past the details too—like, shouldn’t they be the ones making sure we get what we need? I always ask straight up: “If my car gets wrecked by hail or a falling tree, am I covered or not?” Sometimes they seem annoyed, but I’d rather deal with that than get blindsided later. It’s wild how many folks just assume their bases are covered...
Honestly, I learned the hard way that “full coverage” doesn’t mean what most people think. Years ago, I got sideswiped and figured I was good—turns out my policy didn’t have uninsured motorist property damage. My agent never mentioned it, just assumed I knew. Ever since, I read every clause and ask about every scenario, even if it feels awkward. It’s not paranoia if you’ve been burned before... insurance companies aren’t exactly in the business of handing out free money.
It’s not paranoia if you’ve been burned before... insurance companies aren’t exactly in the business of handing out free money.
Totally get this. Every time I renew, I’m grilling my agent about “what if” scenarios—hail, squirrels, you name it. Ever notice how “full coverage” means something different at every company? Makes me wonder if anyone actually reads those 40-page policy PDFs.
Honestly, I get why people are skeptical, but I’ve actually had a decent experience with my insurance when a tree limb smashed my windshield. They covered it minus the deductible, no fuss. I do think the “full coverage” label is super misleading though. It’s weird that hail isn’t always included—feels like that should be standard, right? Guess it really does come down to reading the fine print... even if it’s a total pain.
