It means your car isn't insured against someone throwing ham and mushroom pizza all over it.

I think it's actually fairly common for fungi to grow in automotice climate control systems. Air conditioning has a tendency to create condensation, which fungi are attracted to. If you ever notice a kind of stale, musty smell coming from your vents you might know why. Most auto places can clean those out for you once in a while.

So, yeah, maybe not so uncommon. Then again, there could be some sort of monster car-eating fungus out there I don't know about.

Yeah, I thought about that later. But would that really require insurance? Weird. I suppose they have to cover everything. It was good for a chuckle though. Sort of like that time when I read the warning lable of a pool raft and it clearly stated, "Do not eat raft".

Almost thirty and the wind scares the shit out of me. So sue me. It probably stems from that one time I was picked up by an ginormous dust devil and spun around into a barbed-wire fence.

Uh, THAT would do it. *console*