Car Insurance Fine Print

A policy agreement booklet came with my recent auto insurance renewal. Here are some of the highlights: 

Insurrections (listed under War) and car racing are excluded. No part of my coverage covers them. Previous to Jan 6th, I would have had to look up the word insurrection but now I have an iconic image to draw from! 

A phantom vehicle is the vehicle that ‘ran’ in a hit & run. That got me thinking. Next time I come out from the grocery store to find a new dent in my car, I have to realize, maybe I was parked in Doc Brown’s entry point. Maybe he dented my car while crashing in or out of time travel. Or… maybe it was Wonder Woman who needed a quick getaway in the invisible jet. She had bad people to lasso and didn’t have time to leave a note or insurance card.

They still have me covered if I go bankrupt (when you prepay a policy period before bankruptcy) but they can audit my books and inspect my property up to three years after an incident “as far as they relate to the subject matter of this insurance.” 

I learned the difference between tort and torte. You want the latter! It’s the difference between a police baton and a tasty dessert.

Surprise (to me) benefits that come with collision coverage is pet injury coverage. It provides a one time, $1000 (cap, no matter how many fur babies you were transporting) benefit for vet fees or loss. Surprise (to me) benefit with additional personal injury protection is $2000 for funeral expenses. I would not have previously thought to inquire about these items. That’s the benefit of reading the fine print!

I’m available to read and creatively summarize your fine print, no font too small! You receive a digital sketch and a written summary. Join my three happy customers so far! Go HERE for more information and rates.