What does it mean to lose $1 million in a split second? For many homeowners in San Diego and beyond, the answer isn’t Vegas or bad luck—it’s inadequate insurance. In this episode of Unseen Impact, Rory Pendergast and Kerrie Rez welcome insurance broker Chad Colston to explain how misunderstood terms like “full coverage” leave people dangerously exposed.

Colston shares real cases where small oversights—like underinsured auto policies or undisclosed pets—spiraled into lawsuits worth millions. As he notes, “full coverage” often only applies to damage on the vehicle, not the devastating liability that comes with injuring another person. Without the right protection, even a simple rear-end accident can put a family home on the line.

The conversation also highlights overlooked protections, like uninsured/underinsured motorist coverage, umbrella policies, and specialized endorsements for homeowners in fire zones. Colston’s advice is clear: insurance isn’t about your car or your house—it’s about safeguarding your future. And that requires actively reviewing policies, asking the right questions, and refusing to assume you’re already covered.

At its heart, Unseen Impact reminds us that legal and financial consequences often go unseen until it’s too late. By shining a light on these hidden vulnerabilities, Pendergast, Rez, and Colston offer listeners not just stories, but practical tools to prevent life-changing losses. To hear more stories and insights that could protect your family, listen to the full episode of Unseen Impact and explore more episodes at RoryLaw.com. For legal guidance or to connect with Rory Pendergast and his team, contact Rory Law today.

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