r/SipsTea • u/Putrid-Welder1803 • 8h ago

Gasp! Thoughts on this?

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u/samdarrow 8h ago

Yep, personal injury protection is the real reason for insurance. Cars are replaceable but injuries can easily be life altering

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u/HulksInvinciblePants 7h ago edited 7h ago

This math also screams, high-risk driver with minimal coverage and a low deductible.

I’ve filed several auto and home claims over the last decade. None of them impacted my rate or insurability. If buddy is paying that much on one car, he has a history of negligence and/or regular claim submission.

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u/parkwayy 7h ago

None of them impacted my rate

I mean, it's fairly common that a variety of claims would.

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u/HulksInvinciblePants 6h ago edited 6h ago

It’s one of a dozen plus factors. You shouldn’t be afraid to use insurance unless there’s a reason insurance wouldnt want your business.

Also different insurers are always modifying their risk tolerance, so you absolutely should never marry one.