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As someone who works in insurance. Everyone should know the term "full coverage" is not really an insurance term. It's just a misnomer. Everyone please read your policies and see what types of coverages you're actually afforded before thinking you're covered for "everything" but when you get into accident you find out you only have liability, comprehensive, and collision only, which means you get stuck with the rental bill or paying for your own medical bills.
I advise everyone to read over your policies and check what types of coverages you have before paying for "full coverage".
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