HOOK
Do you have “full coverage” on your car—or just think you do? That phrase sounds reassuring, but in insurance, it doesn’t mean one exact policy. [Visual: Driver looking at insurance app on phone, confused]
KEY POINT 1
What people call full coverage usually means a combo of liability, collision, and comprehensive. Liability helps cover damage you cause to others. Collision helps pay for damage to your car in a crash. Comprehensive covers things like theft, vandalism, hail, or hitting an animal. [Visual: Simple three-part graphic with icons for crash, theft, storm]
KEY POINT 2
But here’s the catch: even “full coverage” has limits and deductibles. If your deductible is high, you could still pay a lot out of pocket before insurance kicks in. And if you only carry liability, your own car damage may not be covered at all. [Visual: Deductible meter and repair bill on screen]
KEY POINT 3
So when do you really need more than liability? If your car is newer, financed, or expensive to replace, collision and comprehensive can make sense. If your car is older and low-value, you may be paying more in premiums than the car is worth to protect. [Visual: New car, loan papers, then older car with price tag]
CTA
The smartest move is to check your declarations page and ask your agent what’s actually included. Don’t rely on the phrase “full coverage”—know the parts, the limits, and the deductible. Want a quick checklist for reviewing your policy? [Visual: Checklist on screen, then agent contact info]
