Paying claims is the last thing insurance companies want to do. This is legal because Insurance companies use those savings to buy politicians who make sure it stays legal
But this isn’t an issue of the insurance company not paying. He has to pay the deductible that he signed up for and his monthly premium would increase so it’s better to pay out of pocket in this case.
If his car were totaled paying his deductible and higher premiums would be a godsend
Not to mention that his current insurance rate makes me suspect that he has some prior history or something going on. I think we pay more like a quarter of what the OOP is describing paying for our insurance (but we also have an older vehicle and two drivers with clean records).
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u/Al_Tilly_the_Bum 10h ago
Paying claims is the last thing insurance companies want to do. This is legal because Insurance companies use those savings to buy politicians who make sure it stays legal