For many people, buying auto insurance feels like checking a box. You pay the premium, keep the proof of insurance in your car, and assume you’re protected. But according to insurance agent Claudia Alarcón, that assumption can become a costly mistake.

In this Spanish-language episode of Unseen Impact, host Rory Pendergast and Claudia explore one of the most misunderstood topics in personal finance: auto insurance. Together, they break down common misconceptions about “full coverage,” explain how liability limits really work, and discuss why uninsured motorist coverage may be one of the most important protections a family can carry.  

The conversation is particularly important for Spanish-speaking families who often purchase policies written in English and may never receive a clear explanation of what is—and isn’t—covered. Claudia shares how she spends time with clients reviewing their specific needs, helping them understand their risks, and tailoring coverage to their lives rather than simply selling a policy.  

Listeners will also learn what to do immediately after an accident, why documenting the scene is critical, and how seemingly small coverage decisions can have major financial consequences later. Rory adds perspective from two decades of representing accident victims, highlighting what happens when coverage falls short.  

The message of the episode is simple: don’t wait until after an accident to understand your insurance. Review your policy, ask questions, and make sure the protection you believe you have is actually there when you need it most.  

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