Yes, be very, very careful about what is in your insurance policies. My late DH was business like enough so that he photo copied (that's an old word) every paragraph seperately and enlarged them so he could read each and every word there. Then you could start screaming about it!!
My daughter found this out the day before Christmas last month. Her daughter, my DGD was home from college and her car was low on gas so borrowed my DD's car and had an accident. While DD and husband were there waiting for the cop to finish his reports, another larger pickup also hydroplaned and hit the car again. Her insurance company refused to pay, said that she had deliberately excluded her daughter from it, which was absolutely not what she wanted to do at any time, since DGD is a very sober young woman. DGD's own insurance will pay for it, but after reading the policy carefully, she is leaving that Killeen, Texas insurance company entirely and taking her car insurance, her husband's and the house insurance to another company, the one that paid for DGD's accident.
How many of us have actually READ our insurance forms carefully??? Are we going to now???