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why is liability coverage in NY so confusing?

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(@medicine_jake)
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I've been trying to wrap my head around liability coverage rules here in New York, and honestly, it's like they purposely made it complicated. Every time I think I get it, there's another weird exception or something. Anyone else feel lost with this stuff?

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diy764
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(@diy764)
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"Every time I think I get it, there's another weird exception or something."

Haha, seriously... I remember when I first got my car here, spent hours thinking I'd nailed down the coverage details. Then my agent casually mentions some obscure clause about out-of-state incidentsβ€”felt like a plot twist in a bad movie. You're definitely not alone.

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