That's a helpful perspective, hadn't considered the timestamp issue before. As someone new to insurance, I'm curious—does comprehensive coverage typically include hail damage, or is that usually an extra add-on? Seems like something insurers might conveniently leave vague...
Yeah, comprehensive usually covers hail damage as standard, at least in my experience. Had a buddy whose car got hammered by golf-ball-sized hail a couple years back—his comprehensive took care of it without hassle. But here's the kicker: he found out later his deductible was way higher than he remembered, so it still cost him a chunk out-of-pocket. Insurers can be sneaky about deductibles and specifics, so always double-check the fine print...lesson learned the hard way, lol.
Good reminder on checking deductibles—been there myself.
- Had a windshield cracked by hail once, assumed comprehensive would fully cover it... nope.
- Deductible was high enough that it wasn't worth filing a claim.
- Learned to always double-check those details upfront now, saves headaches later.
Yeah, deductibles can definitely bite, but honestly, sometimes a higher deductible isn't always a bad thing. I've kept mine higher intentionally—keeps my premiums way lower. Just gotta stash a bit aside for emergencies like hail... or rogue shopping carts.
Yeah, keeping a higher deductible can be smart if you're disciplined about saving. But have you double-checked if your policy covers specialty or classic cars differently? Some insurers have sneaky clauses about hail or weather damage exclusions for certain vehicles... learned that the hard way myself.
