HOOK
Most drivers think they’re fully covered—until a claim gets denied or the repair bill lands in their lap. The problem is usually a gap in the policy, not the accident itself. [Quick cut: totaled car, repair shop estimate, denied claim letter]
KEY POINT 1
First, liability coverage only pays for damage you cause to other people. It does not pay to fix your own car. If you only carry the state minimum, one crash could leave your vehicle uncovered. [On-screen graphic: “Liability = other people’s damages”]
KEY POINT 2
Second, collision and comprehensive are not the same thing. Collision helps with crash damage, while comprehensive covers things like theft, hail, fire, or hitting an animal. If you park outside, drive a newer car, or live in storm-prone areas, dropping one of these can be risky. [B-roll: hail on windshield, deer crossing, broken side window]
KEY POINT 3
Third, many drivers skip uninsured motorist coverage, but that can be a costly mistake. If the other driver has no insurance—or too little—you may be stuck paying medical bills or repair costs yourself. This coverage can be a real safety net. [On-screen graphic: “Uninsured driver = your problem?”]
CTA
Before your next renewal, check these three coverages line by line. A few minutes now can save you from a surprise bill later. If you want, I can break down exactly what full coverage means in plain English. [End card: “Review your policy today”]
