Section I
I accidentally dropped a nuke on my car, is that covered? It was just an accident.
No
Section I, Exclusion 12-A
So I just don't get why you won't cover all of it? Sure I'm insured with both you and Progressive, but why can't I choose who to file with?
Section III, Other Insurance 1
I want to file under Diminished Value as your Policyholder, can I?
(Double Points)
No
Section III, Exclusion 8
No, I won't cooperate. You're my insurance and you're supposed to take care of this for me, just make the coverage issue go away, I won't be helping. It's not like my policy says I have to... does it?
Yes
Section V, Number 2-A
Does my trailer qualify as a covered auto if it's not on the policy?
Yes
Definitions, Number 26
My friend Jaxyn was driving my car the other day and he hit someone's parked car. Does he count as a Covered Person? There was no damage to my car.
Yes
Section I, Definition 1-B
My sister Emu has been temporarily staying with me for roughly 60 years now and I never added her to the policy. She was driving and hit a tree off in the woods somewhere. Am I covered?
Yes
There is no 185 day or Unlisted Operator exclusion.
I was racing through town with a buddy of mine and hit someone's house. My car is fine, but will you cover the house?
(Double Points)
No
Section I, Exclusion 11-A
I've got a quick question, what countries and areas does my policy apply in? I'm planning a trip to Sealand soon.
Section VI, Number 5-B
My kid only has a learners permit. Do they need to be added to the policy or can we wait until next year for the Driver's License?
They count as a licensed driver.
Definitions, Number 6
My friend Patchrick was driving a car I was borrowing from my other friend Kris. I'd been borrowing it for about a week while I was in town and let Patchrick drive it to the store while I was a little drunk. Does Patchrick count as a Covered Person for my policy?
No
Section I, Definition 1-B
Definitions, Number 26
How much can I use per day for my rental? I've been thinking about renting this cool monster truck I saw at the lot.
$25 per day, up to a maximum of $750
Section III, Transportation Expenses
I was in an accident and the bodyshop told me it would take 12 hours to finish my car, but it would be ready before closing. Can I get a rental during that time?
(Double Points)
No
Section III, Part III, Losses We Will Cover 1
Ha ha! I may have lied about some details, but you all signed the contract! Suckers, now you're stuck with me. Wait, what do you mean lying on my application breaks the contract? Where does it say that?!?!
Section VI, Number 11
I was pulling an RV behind my car when I accidently sideswiped someone with it. Does the RV count as a trailer while I'm pulling it? There was nobody inside it.
No
Definitions, Number 22, Bullet C-A
I hit someone's pet mouse (and the person holding it) on accident and ended up in the slammer. Bail is $175, is that covered?
Yes
Section I, Supplementary Payments 1
I got into a collision with a sign and it broke my windshield. There was no other damage to my car. Is that Collision or Comprehensive.
Either
Section III, Definition 3-J
I have a trial coming up for this accident and can't make it to work, can I claim lost wages as your policyholder?
(Double Points)
Yes
Section I, Supplementary Payments 4-A
So I've been thinking about all of this so-called "subrogation" stuff. Is that in the policy somewhere, or did you just make it up to placate me? Is it in writing that you'll try to get my deductible back?
Yes
Section VI, Number 4-D
I'm no longer with my wife and our kid lives with her, so I never added him to the policy. He was visiting last week for the first time in months and had an accident in my car. Does that whole 185 day thing apply to him?
Yes
Definitions, Number 5
Section I, Exclusion 19
My brother has been living with me for 3 years but I never added him to the policy. He ended up hitting a sign while running errands in my car and now the government is after us for 5k. Is that covered?
Yes
Section I, Exclusion 19
This exclusion will apply only to the damages that are in excess...
Turns out the new car I bought was stolen and the government took it from me. Can I file for Comprehensive or something?
No
Section III, Exclusion 14-B
I was driving down and got into an accident with an Uninsured individual. They paid $500 out of pocket to get my car fixed but it ended up not being enough. Can I file with you for the rest? I already spent the $500 and told him we were good.
(Double Points)
No
Section IV, Exclusion 2
Delay letters, where in the policy does it day we have to send those?
Section V, Number 3-B
I've been looking through my policy and noticed the word You is bolded in a few places. My husband and I are currently separated while we plan a divorce. He doesn't meet that "You" definition, does he?
Yes, he does.
Definitions, Number 27, Part C