Yeah, “full coverage” is one of those terms that sounds way better than it actually is. I see people get tripped up by it all the time. A lot of folks don’t realize that unless you specifically have comprehensive coverage, stuff like hail, floods, or even theft isn’t covered. It’s wild how many people think they’re set just because their agent said “full coverage”—but that could just mean liability plus collision, and that’s it.
I remember reviewing a claim for someone who thought their cracked windshield would be covered, but their policy only had liability and collision. They were pretty frustrated, and honestly, I get it. The deductible thing is another headache. Some people pick a high deductible to save on premiums, but then when something happens, they’re shocked at how much they have to pay out of pocket. Ever notice how nobody really explains that part up front? Makes you wonder if it’s intentional or just the way the industry works...
Yeah, the whole “full coverage” thing is super misleading. I learned the hard way a few years back—thought I was covered for everything, but nope, hail trashed my hood and it was all out of pocket. It’s wild how agents gloss over the details. And those deductibles? They look harmless until you actually need to use them. Insurance feels like a game where the rules are hidden in the fine print...
It’s wild how many people think “full coverage” means you’re protected from literally anything that could happen to your car. I used to think the same, until I started digging into the policy details when I bought my first classic. Turns out, there’s a ton of stuff that can slip through the cracks if you’re not careful—hail, floods, even some types of theft depending on the policy.
I’m always paranoid about weather damage, especially since I keep my ‘72 Chevelle outside more than I’d like. Have you ever tried to get a straight answer from an agent about what’s actually covered? I swear, half the time they just say “comprehensive covers everything except collisions,” but then you find out there are all these weird exclusions. Makes me wonder if anyone’s ever actually read their whole policy front to back.
And about those deductibles—do you guys go for the higher or lower ones? I’ve always leaned toward a higher deductible to keep premiums down, but then I get nervous thinking about what would happen if something big actually did happen. Is it worth paying more every month just for peace of mind, or is that just throwing money away?
One thing I’ve noticed is that some insurers offer special “agreed value” policies for classics, but even then, you have to watch out for loopholes. Anyone else run into issues with getting claims paid out on older cars? Sometimes it feels like they’ll use any excuse to lowball you or deny coverage altogether...
Have you ever tried to get a straight answer from an agent about what’s actually covered? I swear, half the time they just say “comprehensive covers everything except collisions,” but then you find out there are all these weird exclusions.
That’s a common frustration. “Comprehensive” sounds like it should mean everything, but the fine print matters—a lot. Hail and flood are usually included, but only if you actually have comprehensive, not just liability or collision. As for deductibles, higher ones save money until you need to file a claim, then it stings. It really comes down to your risk tolerance and how much cash you’d have on hand if something major happened. And agreed value policies for classics? They’re better than nothing, but you still need to document everything and keep up with appraisals, or insurers will absolutely try to pay out as little as possible. Reading the policy front to back is tedious, but it’s the only way to know what you’re actually getting.
Yeah, the word “comprehensive” is super misleading. I used to think it was basically a safety net for anything weird that could happen to my car, but then you start digging and there’s a million little exceptions. I remember when I got my first “nice” car, I was paranoid about hail—turns out, you actually need to double-check that’s in your policy. It’s honestly a pain, but you’re right, reading the fine print is the only way to avoid nasty surprises. Insurance feels like a game sometimes... and not one I’m good at.
