Think you have “full coverage” on your auto insurance? You might be one accident away from financial disaster. 😬

In this episode of Unseen Impact, Kerrie & Rory bring back insurance expert Chad Colston to decode the most misunderstood parts of your auto insurance policy—from declarations pages to uninsured/underinsured motorist coverage (UM/UIM), deductibles, OEM parts, teen drivers, claims, and more.

If you drive a car, this episode could save you thousands of dollars and protect you after a crash—whether it’s your fault or not.

What you’ll learn:
 ✔ Why “full coverage” is a misleading term
 ✔ The one policy item every driver must have (most people don’t!)
 ✔ When to file a claim with your insurer vs the other driver’s
 ✔ Why you may never want the at-fault driver’s carrier fixing your car
 ✔ The truth about deductibles, OEM parts & glass claims
 ✔ Insurance tips for parents of new teen drivers
 ✔ How to avoid paying out of pocket when the other driver has low coverage

If you like episodes that make you smarter and safer on the road, hit LIKE and SUBSCRIBE for more real-world insights!

Some notable moments from this episode:

00:00 - Welcome back + Chad gets recognized from the podcast

01:14 - Insurance game: “What does this even mean?”

03:42 - Why most adults don’t understand their auto policies

04:50 - What the Declarations Page actually tells you

07:08 - Liability limits & why 250/500 matters

11:16 - “Full Coverage” is a myth—what it really means

12:18 - Comprehensive vs Collision explained

15:35 - Why hitting a deer might be better than hitting a pole

17:06 - The most skipped coverage: UM/UIM (and why it matters)

20:51 - OEM parts & why repairs may not be equal

23:15 - Filing a claim: your insurer vs theirs

26:42 - Deductibles and getting reimbursed

30:34 - Insurance tips for parents of teen drivers

33:55 - How grades & driver training can lower teen insurance costs

37:20 - Final takeaways: protect yourself before the accident

#InsuranceTips #AutoInsurance #CarInsurance #PersonalInjury #UnderinsuredMotorist #UninsuredMotorist #UMUIM #ClaimsProcess #CarAccident #FinancialProtection #UnseenImpactPodcast

Think you have &ldquo;full coverage&rdquo; on your auto insurance? You might be one accident away from financial disaster. 😬
In this episode of Unseen Impact, Kerrie &amp; Rory bring back insurance expert Chad Colston to decode the most misunderstood parts of your auto insurance policy&mdash;from declarations pages to uninsured/underinsured motorist coverage (UM/UIM), deductibles, OEM parts, teen drivers, claims, and more.
If you drive a car, this episode could save you thousands of dollars and protect you after a crash&mdash;whether it&rsquo;s your fault or not.
What you&rsquo;ll learn: &nbsp;✔ Why &ldquo;full coverage&rdquo; is a misleading term &nbsp;✔ The one policy item every driver must have (most people don&rsquo;t!) &nbsp;✔ When to file a claim with your insurer vs the other driver&rsquo;s &nbsp;✔ Why you may never want the at-fault driver&rsquo;s carrier fixing your car &nbsp;✔ The truth about deductibles, OEM parts &amp; glass claims &nbsp;✔ Insurance tips for parents of new teen drivers &nbsp;✔ How to avoid paying out of pocket when the other driver has low coverage
If you like episodes that make you smarter and safer on the road, hit LIKE and SUBSCRIBE for more real-world insights!
Some notable moments from this episode:
00:00 - Welcome back + Chad gets recognized from the podcast
01:14 - Insurance game: &ldquo;What does this even mean?&rdquo;
03:42 - Why most adults don&rsquo;t understand their auto policies
04:50 - What the Declarations Page actually tells you
07:08 - Liability limits &amp; why 250/500 matters
11:16 - &ldquo;Full Coverage&rdquo; is a myth&mdash;what it really means
12:18 - Comprehensive vs Collision explained
15:35 - Why hitting a deer might be better than hitting a pole
17:06 - The most skipped coverage: UM/UIM (and why it matters)
20:51 - OEM parts &amp; why repairs may not be equal
23:15 - Filing a claim: your insurer vs theirs
26:42 - Deductibles and getting reimbursed
30:34 - Insurance tips for parents of teen drivers
33:55 - How grades &amp; driver training can lower teen insurance costs
37:20 - Final takeaways: protect yourself before the accident
#InsuranceTips #AutoInsurance #CarInsurance #PersonalInjury #UnderinsuredMotorist #UninsuredMotorist #UMUIM #ClaimsProcess #CarAccident #FinancialProtection #UnseenImpactPodcast

Rory Pendergast, Lead Attorney at Rory Law, discusses the unseen impact and ripple effects on victims of various injuries in "The Unseen Impact"  

Unseen Impact with Rory Pendergast explores the ripple effects of personal injury cases, shedding light on the hidden ways accidents, negligence, and injustice shape lives and explores the economic, physical, and emotional damages endured.

Each episode features mental health, physical injury, and industry professionals to examine the widespread effects of various injuries on individuals, families, and communities. 

Rory Pendergast, a California-based attorney originally from Montana, hosts a show where he discusses the unseen impact and ripple effects on victims of various injuries. He advocates in court on behalf of victims of revenge pornography (non-consensual pornography), physical and mental injury, and property destruction.

<a href="https://rorylaw.com/">Rory Pendergast</a>, Lead Attorney at Rory Law, discusses the unseen impact and ripple effects on victims of various injuries in "The Unseen Impact"&nbsp;&nbsp;
Unseen Impact with Rory Pendergast explores the ripple effects of personal injury cases, shedding light on the hidden ways accidents, negligence, and injustice shape lives and explores the economic, physical, and emotional damages endured.
Each episode features mental health, physical injury, and industry professionals to examine the widespread effects of various injuries on individuals, families, and communities.&nbsp;
Rory Pendergast, a California-based attorney originally from Montana, hosts a show where he discusses the unseen impact and ripple effects on victims of various injuries. He advocates in court on behalf of victims of revenge pornography (non-consensual pornography), physical and mental injury, and property destruction.

Unseen Impact 

Unseen Impact is a podcast that looks beyond legal headlines to explore how personal injury truly affects people’s lives. Hosted by Rory Pendergast—a legal marketing strategist with over a decade of experience in the justice space—the show examines the real-world consequences of accidents, negligence, and systemic failures. Each episode features conversations with professionals in mental health, physical rehabilitation, and law—as well as those with lived experience—to shed light on the emotional, physical, and financial aftermath of personal injury. Rory brings a thoughtful, trauma-informed lens to each interview, creating space for guests to share insights that help educate, humanize, and advocate.

Unseen Impact is a podcast that looks beyond legal headlines to explore how personal injury truly affects people&rsquo;s lives. Hosted by Rory Pendergast&mdash;a legal marketing strategist with over a decade of experience in the justice space&mdash;the show examines the real-world consequences of accidents, negligence, and systemic failures. Each episode features conversations with professionals in mental health, physical rehabilitation, and law&mdash;as well as those with lived experience&mdash;to shed light on the emotional, physical, and financial aftermath of personal injury. Rory brings a thoughtful, trauma-informed lens to each interview, creating space for guests to share insights that help educate, humanize, and advocate.

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