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just saw a story about a guy in Kansas whose car got totaled by hail, and turns out his insurance didn't cover it.

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storm_jones
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(@storm_jones)
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Better to know now than after your car looks like it went ten rounds with a golf ball machine.

Had that happen last year—except I actually thought I had "full coverage." Turns out, liability and collision don't mean squat against hail. Learned the hard way that "comprehensive" isn't just a fancy word. Now I read every line twice, no matter how boring it is.


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zeussculptor
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(@zeussculptor)
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Yeah, reading the fine print is a pain, but it really does matter. I used to think “full coverage” meant exactly that, too.

Turns out, liability and collision don't mean squat against hail.
Been there—my old Civic got trashed in a freak storm and insurance barely covered a thing. It’s wild how many little loopholes there are. At least you caught it now before it happened again.


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(@dobbypoet)
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Man, insurance lingo is such a headache. I learned the hard way too—my old Corolla got dented up in a hailstorm and I just assumed “full coverage” had me set. Turns out, nope, you need that comprehensive bit for weather stuff. It’s honestly kind of sneaky how they market it. I get why people skip reading all the details, but it can bite you later.


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charles_jones
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Yeah, the “full coverage” thing is super confusing. I got burned by that too—thought I was good until a tree branch decided to take a nap on my Civic.

“you need that comprehensive bit for weather stuff”
Wild how that’s not just included by default. Has anyone actually found an insurance company that explains this stuff in plain English? Or is it all just fine print everywhere?


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(@surfing459)
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Yeah, I totally get what you mean. I remember when I first got my license, I just asked for “full coverage” thinking it meant everything was covered. Turns out, nope—my old Corolla got dinged up in a hailstorm and I learned the hard way that

“you need that comprehensive bit for weather stuff”
. It’s wild how they don’t spell this out unless you dig through the paperwork. I’ve yet to find an insurer that actually explains it in plain English. It’s always some vague brochure and then a mountain of fine print. Makes me double-check every little detail now, just in case.


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