Yeah, you’re spot on—insurance lingo is a minefield. “Full coverage” sounds like it should mean everything’s covered, but it’s really just a combo of liability and maybe comp/collision. I always tell people: ask for specifics, even if it feels nitpicky. Better to feel awkward now than blindsided later.
Yeah, I totally get where you’re coming from. I used to think “full coverage” meant I was set for anything, but after a fender bender and a lot of fine print, I learned the hard way. It’s frustrating how the terminology can trip people up, especially when you’re trying to save money and not overpay. Asking for details might feel awkward, but it’s honestly the smartest move—better to know exactly what you’re paying for than get stuck with a surprise bill.
Yeah, the whole “full coverage” thing is kind of misleading. I used to think it meant you’re protected from anything that could happen to your car, but turns out, nope—if you don’t have comprehensive, stuff like hail or theft isn’t covered. It’s wild how many people (myself included) just assume they’re good because of the name.
I remember when I first got my policy, I didn’t even know what “comprehensive” actually covered. Had to call and ask after hearing a story about someone’s car getting flooded and insurance wouldn’t pay out. Felt awkward grilling the agent with questions, but honestly, it saved me from making a dumb mistake.
It’s annoying how insurance companies use these terms that sound all-encompassing but aren’t. Guess it pays to be a little paranoid and double-check everything... even if it feels like overkill at the time.
Yeah, “full coverage” is a joke. I’ve restored a couple classics and you better believe I read every line of the policy now. Had a buddy lose his ‘72 Chevelle to a garage fire—turns out his “full coverage” didn’t include comprehensive, so he was out of luck. Insurance companies love to play with words, and most people don’t realize what they’re missing until it’s too late. Always feels like you need a law degree just to make sense of it all...
Always feels like you need a law degree just to make sense of it all...
Ain’t that the truth. I work with these policies all day and half the time even I have to double-check the fine print. “Full coverage” is one of those terms that gets tossed around but doesn’t actually mean anything specific—really just whatever combo of coverage you picked. If you didn’t add comprehensive, stuff like hail, fire, or theft isn’t covered. Most folks assume it’s all in there, but nah.
Had a guy once who thought “full” meant everything, and he was floored when his claim got denied after a tree fell on his car. It sucks, honestly, because the language is just confusing enough to trip people up. I tell friends: ask for a breakdown in plain English, not just the policy doc. It’s a pain, but better than finding out the hard way. Insurance is kinda like a menu where you have to order every side separately... and they never mention the fries.
