You may be in good hands with Allstate and it's nice to know that State Farm is there, but most auto insurance policies still leave plenty of room to deny coverage and stick you with the bill.
That's by design, of course. Were auto insurers to offer blanket coverage for every blunder we make behind the wheel, their business would quickly swerve off the road and into the ditch.
"A policy that covers anything that is imaginable without any exclusions would be impossible to price and equally difficult to afford," says Lynne McChristian, Florida representative for the Insurance Information Institute.
Instead, auto insurers offer us a contract that assumes most of the risk in exchange for a commitment on our part to act responsibly.
"For some of these exposures, there is some responsibility placed on the individual, and that's where these exclusions come in," McChristian says.
The following is a rundown of the major potholes that may exist in your auto policy. Because policies vary widely, check with your agent if you have questions about your coverage.