That’s exactly why I’m paranoid about what my policy actually covers. I drive a lot for work, and every time I see a new dent or scratch, I start wondering, “Is this covered, or am I on my own?” I had a friend whose car got flooded last year—turns out, his “full coverage” didn’t include comprehensive, just collision. Is it just me, or is the term “full coverage” kind of misleading? I always feel like I’m missing something in the fine print...
“Full coverage” is the most confusing term in insurance, I swear. Years ago, I thought I was bulletproof because my policy said “full.” Then a rogue shopping cart dinged my door and apparently that wasn’t “covered”—but if I’d hit the cart, it would’ve been? Makes zero sense. Now I call my agent once a year and grill them like I’m on some detective show, just to make sure I know what’s what. Fine print is where they get you every time...
Fine print is where they get you every time...
- 100% agree, the term “full coverage” is just marketing.
- I’ve had similar surprises—thought I was covered for everything, but nope, random stuff slips through.
- Calling your agent yearly is smart. I started doing that after a friend’s windshield wasn’t covered.
- Why can’t they just say exactly what’s included? It’d save everyone a headache.
Yeah, “full coverage” really doesn’t mean what most folks think it does. I learned that the hard way when a fallen tree branch wasn’t covered on my old sedan... turns out I didn’t have comprehensive, just liability and collision. Now I double-check every year, even though it’s a pain. Wish insurance was more straightforward, but I guess they’d rather keep us guessing.
Man, I’ve been there. After my second speeding ticket, my rates shot up and I started paying way more attention to what I was actually getting for all that money. It’s wild how “full coverage” sounds like it should cover everything, but then you find out about all these gaps—like, does anyone actually read those policy docs front to back? I always wonder if it’s even worth it to pay for comprehensive when your car’s not worth much anymore... or am I just being cheap?
