20 Illusions of Auto Insurance

Twenty recurring assumptions that can hide coverage, distort claim decisions or create premature finality.

Complete episode index

1. Episode 1: Transparency and the Law
2. Episode 2: Minimum Limits Are Not Real Protection
3. Episode 3: There May Be More Than One Policy
4. Episode 4: The Illusion of “Full Coverage”
5. Episode 5: Adjusters Are Not Your Advisors
6. Episode 6: Recorded Statements Are Not Innocent
7. Episode 7: A Fast Settlement Is Not Necessarily Fair
8. Episode 8: The “Personal” Working Vehicle
9. Episode 9: The Global Release Problem
10. Episode 10: Good Faith Is Proven by Conduct
11. Episode 11: Policy Disclosures Do Not Happen Automatically
12. Episode 12: Hospital Bills, Providers and Liens Are Separate Systems
13. Episode 13: Criminal Courts Do Not Resolve Everything
14. Episode 14: Deadlines Decide Outcomes
15. Episode 15: MedPay Is a Stability Tool
16. Episode 16: Employers Cannot Always Shift the Risk
17. Episode 17: Project Owners and Contractors May Matter
18. Episode 18: Hidden Insurance Is a Power Problem
19. Episode 19: Regulators and Ethical Rules Are Not Useless
20. Episode 20: When the Release Is Signed, Truth May Arrive Too Late

Read with the guides

Use each episode to recognize the pattern, then use the related Citizen’s Guide to preserve evidence, request documents, verify coverage and trace the applicable law.