Good point about comprehensive. I've always kept it on my cars—figured it's better to pay a bit extra every month than get blindsided by a huge bill. A couple years back, my buddy skipped comprehensive to save cash, then had a tree branch fall on his windshield during a storm. He was stuck footing the entire replacement himself, which wasn't cheap. Made me glad I'd stuck with the extra coverage.
But it does make me wonder...do most people actually check the fine print of their policies to see what's covered under comprehensive? I mean, hail damage is pretty common around here, but I bet a lot of folks assume they're covered without verifying. I try to review mine once a year, just in case something changes or slips past me.
Curious if anyone here's found gaps or surprises in their own policies after taking a closer look.
"do most people actually check the fine print of their policies to see what's covered under comprehensive?"
Honestly, probably not as often as they should. I skimmed mine last year and was surprised to find out my policy didn't cover damage from hitting animals unless I specifically added it. Had no idea that wasn't standard. Makes me wonder how many other common scenarios aren't automatically included...anyone else discover something unexpected like that?
"Had no idea that wasn't standard. Makes me wonder how many other common scenarios aren't automatically included..."
Yeah, you'd be surprised—hail, flooding, even theft aren't always standard. Best bet is to quickly chat with your agent and ask directly what's covered...saves headaches later. Learned that the hard way myself.
"Best bet is to quickly chat with your agent and ask directly what's covered...saves headaches later."
Totally agree here—especially for classics. I've seen friends assume their vintage ride had full coverage, only to find rust damage or rodent issues weren't included. Always worth double-checking the fine print...
Yeah, good advice, but honestly, don't just take your agent's word for it. Here's what you do: first, pull out your policy docs yourself and skim through the exclusions section—boring, I know, but necessary. Next, jot down anything unclear or vague. Then, call your agent and specifically ask about those points. Trust me, agents sometimes gloss over stuff unless you directly ask. Better safe than sorry...
