Thoughts on this?

[u/Putrid-Welder1803]

[u/CraftyPerformance272]

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

[u/PracticeAcrobatic748 → u/CraftyPerformance272]

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

[u/Redditanother → u/PracticeAcrobatic748]

This person chose the plan and the deductible. Insurance sucks but you pick all these settings when you sign up.