Originally Posted by
stephan
What I don't understand is my dad wants full coverage yet whenever something comes up with theft he tells me I have to fix it with my own money. But oh well I pay for the damages and he does pay for the insurance :dunno: I'm just tired of being worried if the car will be in my driveway or not the next day. This is so frustrating since I did used to love the car :wtc: I am hoping a Tacoma will be less of a target for theft since it is just a truck :dunno:
if the cause is by "theft/vandalism/fire/etc." aka "other than collision," then your insurance company will cover the damages fully, minus your deductible. so depending on how much the damage is and how much your deductible is, it may or may not be worth reporting.
and the term "full coverage" is abused and overly vague. depending on who your agent is, he/she may or may not pull a fast one on you just to get you a "good deal" on the premium cost.