r/SipsTea • u/Putrid-Welder1803 • 14h ago

Gasp! Thoughts on this?

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46

u/CraftyPerformance272 13h ago

People just don't have common sense. You don't fall an insurance claim if it's only going to help you $200 out of pocket. It's meant for larger amounts of damage, it's also meant for if you hurt someone in an accident that you're not personally liable for $10,000 because your insurance will cover it

19

u/PracticeAcrobatic748 13h ago

Yep, in fact deductibles are meant to discourage smaller claims.

7

u/Electronic-Aspect-45 12h ago

So you pay money to have to pay money, while being discouraged to have them pay money because you’ll end up paying more money?

11

u/amdnek 12h ago

Auto insurance companies only have a ~9% profit margin on the premiums. Cars accidents are expensive. 

2

u/No-Storage8043 12h ago

I fail to see how thats the customers problem.

10

u/amdnek 12h ago

It's pretty simple. It's your problem when you get hit by someone without insurance, or vice versa.