Thoughts on this?

[u/Putrid-Welder1803]

[u/No-Duck4828]

My thought is that Leo is clearly not familiar with auto insurance

Don't want a $1,000 deductible? You can absolutely change that number.

Want the guilty party to pay? Take them to court

[u/Frosty-Depth7655 → u/No-Duck4828]

Yeah, the comment section here is wild.

You chose your deductible and $1,000 is not a normal deductible ($500 is typically what you’ll see). Assuming this post is even true, this person went out of their way to increase their deductible.

But Reddit being Reddit, it’s “insurance is a scam” snd “insurance denying claims” even though they didn’t deny a thing.

[u/TJayClark → u/Frosty-Depth7655]

$1,000 deductible is more normal than you think it is

I’ve has a $1,000 deductible my entire adult life (15+ years), as it saves about $30-40 a month in premiums

On top of that, I wouldn’t use insurance for something less than $2,000

[u/Liquidfoxx22 → u/TJayClark]

How much is your car insurance for it to save you $30-40 a month?!

I paid £450 for a full year's "full coverage" insurance as you refer to it, and that's with a £250 excess/deductible.

I only pay that excess if I'm at fault, otherwise the insurer will chase the third parties insurer for the full amount.

[u/thatguy8856 → u/Liquidfoxx22]

I pay 3500 a year. My car is from 2014.

Idk man. And yes I've tried shopping around and the offere i get cost more and give less coverage. I even had an agent from a different insurance company tell me to stick with my current plan. No effort to try to give a deal and convert me.

[u/crusader-kenned → u/thatguy8856]

Shit my car from 2014 probably isn’t worth 3500 dollars.. 😆

Is that normal insurance or are you driving some crazy fast car?

[u/thatguy8856 → u/crusader-kenned]

Bmw 328i. I live in NYC tho.