"But sometimes it depends on the adjuster or even the company itself."
- Yeah, exactly... seems like luck plays a bigger role than we'd like to admit.
- Curious though, anyone tried adding specific hail coverage separately?
- Wonder if that's a thing or just bundled under comprehensive.
"Yeah, exactly... seems like luck plays a bigger role than we'd like to admit."
You're spot on with that. I've had my share of insurance headaches (being labeled a high-risk driver doesn't help, trust me), and it really does seem like luck of the draw sometimes. As far as I know, hail damage usually falls under comprehensive coverage—never heard of adding hail specifically. Might be worth double-checking with your agent though, just to ease your mind... insurance fine print can be sneaky.
You're definitely onto something there. Insurance can be such a gamble sometimes. Reminds me of a buddy of mine who had this gorgeous '68 Mustang—spent years restoring it, weekends in the garage, the whole nine yards. Anyway, one summer afternoon, out of nowhere, we got hit with this freak hailstorm. Golf-ball-sized chunks of ice just pelting down... it was brutal. He'd parked outside for maybe 20 minutes tops, and by the time he ran out to move it, the damage was done.
He figured he was covered since he had comprehensive insurance, but turns out he'd opted for a higher deductible to save a few bucks each month. The damage was extensive enough that repairs were gonna cost him thousands out-of-pocket before insurance even kicked in. He was gutted—spent weeks kicking himself over that decision.
Point is, even when you think you're covered, there's always some fine print or detail you might've overlooked. It's not always just luck; sometimes it's those little choices we make without thinking too much about them. Ever since then, I've been extra cautious about my own coverage—especially with my classics. I double-check everything now and probably annoy my agent with all my questions, but hey, better safe than sorry, right?
Anyway, hope your friend in Kansas manages to sort things out somehow. Losing a car like that is rough enough without insurance headaches piled on top.
Yeah, that's rough. But honestly, it's not just about the deductible—sometimes it's about knowing exactly what's covered and what's not. I learned this the hard way when I got rear-ended last year. Thought my insurance would handle everything smoothly, but turns out rental car coverage was an optional add-on I'd skipped to save a few bucks. Ended up bumming rides off friends for two weeks while my car was in the shop... not fun.
The thing is, insurance policies are written in such dense language that most of us skim through or just trust our agents blindly. Maybe we should all be taking a weekend to sit down and actually read through our policies line-by-line. Boring as hell, sure, but probably worth it in the long run.
Curious though—has anyone here ever successfully negotiated with their insurance company after something like this happened? Seems like once they say "no," that's pretty much it.
Had a similar wake-up call myself a couple years back when a tree branch fell on my parked car during a storm. Thought comprehensive coverage was standard, but turns out I'd opted out to lower my premium. Ended up paying out-of-pocket repairs—ouch. Now I make it a habit every renewal to sit down, highlight what's covered, what's optional, and weigh the costs carefully. Tedious, sure, but beats surprise expenses down the road...
