Yeah, totally agree—insurers aren't exactly eager to point out loopholes. I usually jot down specific scenarios beforehand and ask directly about coverage for those. Helps cut through the vague answers and reveals exclusions they might gloss over otherwise...
"I usually jot down specific scenarios beforehand and ask directly about coverage for those."
Smart move. I remember years ago, my buddy assumed his insurance covered any driver borrowing his car—until his cousin got into a fender bender. Turns out, family wasn't automatically included... insurers can be sneaky like that.
Yeah, asking specifics is definitely the way to go. Ever checked if your policy covers hitting wildlife? I assumed mine did until a deer jumped out last fall... turns out it was only covered under comprehensive, not collision. Had to pay out-of-pocket for repairs. Insurance companies love their fine print—makes me wonder what else I'm missing. Anyone actually read through their entire policy lately?
Good point—wildlife collisions are almost always comprehensive, not collision. Another sneaky one is flood damage. A buddy of mine found out the hard way after a storm flooded his street... turns out standard auto policies usually exclude water damage from flooding unless you've specifically got comprehensive coverage. Definitely worth double-checking your policy details, especially if you're in an area prone to heavy rains or storms.
I get what you're saying, but honestly, comprehensive coverage isn't always the no-brainer people make it out to be. When I first started driving, my dad insisted I get comprehensive because of all these horror stories about deer and floods. But after a year of paying extra, I did the math and realized I'd shelled out way more than my old beater was even worth. And when I finally did hit a raccoon (poor little guy...), the deductible was so high it wasn't even worth filing a claim.
So yeah, comprehensive covers a lot of sneaky stuff, but sometimes it's just not practical—especially if your car isn't worth much. Better to stash that extra cash into savings for repairs or a replacement down the line. Just my two cents from someone who's been there.
