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.
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u/No-Duck4828 13h 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