I get where you're coming from—digging through those benefit guides is a headache, but it does help spot the weird exceptions. I’ve had similar luck relying on my card, though once in Colorado, a rogue hailstorm had me sweating bullets. Turns out, my coverage actually excluded “weather events.” Close call, but I guess sometimes it really does come down to reading the fine print and rolling the dice.
Man, that’s wild about the hailstorm. I’ve always wondered if those “acts of God” exclusions are just a way for insurance to dodge stuff they don’t wanna pay for. Like, what even counts as a weather event? I got dinged once for sliding on black ice—turns out my coverage didn’t count it as an accident because it was “preventable.” Ever run into something like that in Montana? The roads get sketchy up there...
Yeah, insurance gets real creative with those “acts of God” loopholes. I got caught in a freak snow squall near Bozeman last winter—couldn’t see a thing, ended up in a ditch. My regular policy said it was my fault for “not adjusting to conditions.” Like, what, am I supposed to have X-ray vision? Montana roads are wild, man. I always debate the extra rental coverage, but after that mess... sometimes it feels worth it just for peace of mind.
Honestly, Montana weather doesn’t mess around. I had a buddy who slid into a fence on black ice—insurance said the same thing about “conditions.” It’s like, sure, I’ll just magically stop physics with my mind. I get why people skip the extra rental coverage, but after seeing how fast things can go sideways out here, I’m leaning toward always getting it. Not even for the car, just so I don’t have to argue with some adjuster about what counts as “reasonable driving.”
It’s annoying how they always find a way to blame you, even if you’re doing everything right. I’d rather pay a little more up front than get stuck with a bill for something I couldn’t control. Montana roads are basically a gamble half the year anyway...
Yeah, I hear you on that—Montana roads are no joke, especially once the snow hits. I’ve had my fair share of close calls, and honestly, even being super careful doesn’t always cut it. The thing with rental coverage is, your regular auto policy might not cover everything, especially those “loss of use” charges or diminished value claims. It’s wild how adjusters can twist things to make it look like you were at fault just for being on the road. For me, paying a bit more upfront is worth skipping the headache later... peace of mind goes a long way when the weather’s out to get you.
