u/BlueberryOk7709

why do reddit stories always say "insurance wont cover it"?

every time i see a reddit story (i know theyre fake) but sometimes people from the us also say insurance wont cover it for any damage (physical, to the car, to the house ect) but why? im european and never been to the USA so what does it mean?

reddit.com
u/BlueberryOk7709 — 7 days ago