Yeah, yeah, you're one on them now, with your fine print and lawyered interpretations.
I believe you, nobody reads the fine print... or the medium print... it's I'm insured, I'm covered, I don't have to know nothing.
A good friend of mine has become an insurance adjuster. Along with passing the licencing exams, and convincing the insurance companies a woman can do the job, she runs into stuff like explaining to the client that their stove top with the melted plastic bag on it costs $400 and they have a $500 deductible, so the insurance company won't pay.
In this case she had pulled the same bonehead move herself so she could placate the client with a no cost fix.