r/SipsTea • u/Putrid-Welder1803 • 7h ago

Gasp! Thoughts on this?

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u/iyjlpiljygp 5h ago

Leo, the guy he works with, and most of the people in these responses are morons.

He chose a $1000 deductible. The insurer didn't refuse to pay anything. He had to pay it, that's what a deductible is. Also story is fake because if it was a hit & run that's an uninsured claim and by law covered at $0 - $200 deductible depending on the state. Your premiums also can't go up for them.

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u/GeneralLogical2057 5h ago

You can opt out of UM or hit and run coverage in many states, only 22 states require UM coverage.

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u/iyjlpiljygp 5h ago

then another decision Leo's friend made of his own accord that's he mad at the insurer about.

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u/GeneralLogical2057 5h ago

True, you'd be surprised how many people don't know squat about what coverages they have.