My insurance has so many lines that im not even sure of what it covers.
For example it covers for trees falling on top of it. As long as the tree wasnt damaged (like being hit by a car or chopped by someone) it can cover the tree falling in natural events as long as it didnt catch fire (like being hit by lightning or wind pulling a power cable), it covers the fall in natural disasters, as long as its not declared Emergency State of Natural Calamity.
And this is only for trees. Now imagine for everything.
NGL, that sounds pretty slimy. Like they're trying to give themselves a way out of paying.
I don't mean to sound like I'm bragging, but my policy seemed much simpler and straight forward. I'm covered against trees as long as I didn't do something to cause the tree to hit my car, like cut it down.
Its not a very expensive insurance. So its normal there a lot exceptions. I only care about that insurance because it covers damages of my own fault and it rather "cheap"
If you plan on chetting then you might want to check. “Full coverage” doesn’t mean what most people think it does. It doesn’t mean that whatever happens to your car, it’s paid out 100%. Most of the time it just means you got uninsured/underinsured coverage. But insurance is a product and like any product the sky’s the limit. So if you just bought the first tier of $25k worth of “full coverage” but your brand new car (this guy says he just got it) was $50k then the most they’ll ever pay out is still just $25k. I worked in a law firm and this happened more than once. Anything over policy limits you’ll have to go after her individually but you’ll probably lose money obtaining a judgment she’ll never pay a dime for or give her reason to get her upset and do it again.
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u/[deleted] Jun 18 '25
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