The Answer That Wasn't
You're flying to New Zealand in three weeks and picking up a rental car at the airport. The booking page wants to know whether you'd like excess reduction, and it is not cheap.
So you asked an AI assistant whether your Australian comprehensive policy already covers you. It answered straight away, and it named a law.
The booking page is still open in the other tab.
You can read your own policy, or ring your insurer, or take the rental desk's cover. You cannot make an insurer pay for something it does not cover, whatever an AI told you.
AI invents most confidently on specific checkable facts — laws, prices, doses — so those are the ones to check at the source.