HOOK
Think your auto insurance covers “everything”? It might not. Three common gaps can leave you paying out of pocket after a crash—even if you’re fully insured.
[Quick cuts: fender bender, tow truck, person reviewing policy on phone]
KEY POINT 1
First: your deductible. Collision and comprehensive don’t pay the full bill. If your deductible is $1,000, that’s what you may owe before coverage kicks in. A higher deductible can lower your premium—but raise your risk at claim time.
[On-screen: policy page highlighting “deductible”]
KEY POINT 2
Second: uninsured and underinsured motorist coverage. If the other driver has little or no insurance, your own policy may need to step in for injuries—or even vehicle damage, depending on your state and policy.
[B-roll: two cars after a minor crash, “uninsured driver” text overlay]
KEY POINT 3
Third: rental and roadside help. A lot of drivers assume they automatically get a rental car or towing. Often, that’s an add-on. If you need your car for work or family, check whether those limits are actually included.
[B-roll: rental desk, tow truck, key handoff]
CTA
Before your next renewal, read your declarations page and ask your insurer what’s missing. A five-minute check now can save a very expensive surprise later.
[On-screen text: “Review deductibles, UM/UIM, rental, roadside”]
