Honestly, I get where you’re coming from about “full coverage” being misleading, but I don’t think it’s realistic to expect hail to be standard everywhere. A lot of folks just want the cheapest monthly rate, and comprehensive coverage (which covers hail, falling trees, etc.) bumps that up. I’ve seen people opt out of it to save a few bucks, then get burned when something freaky happens. It’s frustrating, but insurance companies are pretty clear in the paperwork—just not in the ads, which is annoying.
I always tell friends to double-check what’s actually included, especially if they live somewhere with wild weather. It’s a pain, but skipping that step can cost way more in the long run. The fine print is boring as heck, but it’s there for a reason...
Yeah, I learned this the hard way a few years back. Was planning a cross-country trip and figured “full coverage” meant I was set for anything. Turns out, my policy didn’t include comprehensive, just collision and liability. Only realized after a buddy’s car got trashed by a freak hailstorm in Colorado. Now, before any big trip, I go through my policy line by line—even if it’s a pain. It’s wild how easy it is to miss stuff like that when you’re just looking at the monthly price.
Honestly, I get the urge to read every line now, but man, those insurance docs are like a foreign language. I tried once and my brain just checked out halfway through. I kinda feel like if you’re paying for “full coverage,” it should actually mean full coverage? Maybe wishful thinking, but still. I just call my agent and make them explain it to me like I’m five... way less stressful than decoding all that fine print.
Full coverage is such a misleading term, right? It really just means you’ve got liability plus whatever extras you picked, but not literally “everything.” I always tell people to check if they have comprehensive—hail, theft, that kind of stuff falls under that. Honestly, asking your agent to break it down is the smartest move. Those docs are brutal to read through... even for people who work with them all the time.
Yeah, “full coverage” totally fooled me at first. Thought I was invincible on the road—turns out, nope. Here’s what I learned the hard way:
- Liability = covers other people, not your car (whoops).
- Collision = your car if you hit something.
- Comprehensive = random disasters like hail, deer, or a rogue shopping cart.
I swear, reading those policy docs is like deciphering ancient runes. I just ask my agent to explain it like I’m five... and even then, I still double-check. Insurance lingo is wild.
