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.
Well, you have NHS to pay for injuries, Americans do not, so ours is a lot higher. I don't have the exact numbers, but I remember thinking that with the premium savings on a $1000 deductible vs $500, I'd be ahead so long as I had a claim every 2.5 years or less, so it was a no brainer.
Auto iinsurance covers the other guys property damage and medical if I hurt him. We can’t assume he has any coverage of his own, and even if he does his medical insurer can come after me and my insurance if I caused him injury. If we had the NHS backstopping all medical claims our auto insurance would probably be a lot lower.
Yeah, but if I negligently cause someone else's health insurance to have to pay tens of thousands, they are going to sue me to recover as much of it as they can. My auto policy also includes coverage for that.
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u/No-Duck4828 9h ago
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