Can you give an example where it’s a big deal?

Just about everywhere in America requires you to drive to work. If you can't drive for 3 weeks, you can't work for 3 weeks. Do you see why this might be a problem

That only makes sense as a problem if you previously had a car and then lost it, in which case your grace period should cover you.

Grace and Insurance really don't belong in the same sentence. They are stingy enough to deal with as is, even when you have photo evidence of no fault in the crash.

Can’t say that holds up to scrutiny personally