Definitely seconding the point about comprehensive coverage—had a client once who assumed hail was covered under collision. Got a panicked call after ...

Had a client once with a lifted Tacoma who got stranded out near Moab. Turns out his roadside coverage had a clause excluding "modified suspensions." ...

Good question—I've dealt with this exact situation a few times. Accident forgiveness is great for keeping your current rates steady after a minor acci...

True, insurance jargon can feel like another language sometimes... I remember a client once thought PIP would cover their dented bumper. Had to gently...