"My agent said I had `full coverage' but won't pay my claim. What gives?"

Q: My agent said I had "full coverage," but when I turned in a claim, I was told that the claim was excluded. What's going on?

In insurance, there's rarely any such thing as "full coverage." Virtually all (if not all) insurance policies have conditions, limitations and exclusions.

It's critical to find out what those conditions, limitations and exclusions are before buying a policy and before you have a claim.

If an agent won’t explain the conditions, limitations and exclusions, then find one that will. If you don’t ask, then you may be surprised and angry when you are told there is no coverage.