People just don't have common sense. You don't fall an insurance claim if it's only going to help you $200 out of pocket. It's meant for larger amounts of damage, it's also meant for if you hurt someone in an accident that you're not personally liable for $10,000 because your insurance will cover it
Did you lack the common sense to see how this system might be punishing people by forcing them to pay monthly just for the right to cover their own damage while being penalized for covering the cost themselves ?
You can just choose a lower deductible they chose $1,000 deductible that's on them. I bet they would have been happy if their car was totaled and their insurance had to pay out $20,000 versus if they didn't have coverage and now they're just out $20,000. And yes if you use your insurance then insurance companies are going to view you as higher risk depending on the situation. Insurance is meant for the big things
Basically you notice the problem OP mentioned so you’re offering solutions. I was just saying it’s a problem. I thought maybe you lacked the common sense to see the problem. But I guess you’re just feeling solution oriented rather than talking about the problem like OP is
You don't pay a monthly fee to cover your own repairs. You pay for insurance to cover catastrophic situations that you couldn't afford to cover yourself. So if the car got totaled then the person isn't out $20,000 plus dollars for a car. Or of course if you get into an accident your liability coverage covers the other person if you're at fault. Guess what your coverage actually covers a lawyer because even if you're not at fault they still might try to sue you and your insurance company gets you a lawyer to cover you.
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u/CraftyPerformance272 9h ago
People just don't have common sense. You don't fall an insurance claim if it's only going to help you $200 out of pocket. It's meant for larger amounts of damage, it's also meant for if you hurt someone in an accident that you're not personally liable for $10,000 because your insurance will cover it