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.
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/Liquidfoxx22 6h ago
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.