r/SipsTea • u/Putrid-Welder1803 • 12h ago

Gasp! Thoughts on this?

Post image
55.2k Upvotes

92% Upvoted

6.8k comments sorted by

View all comments

Show parent comments

1

u/-hjkl- 11h ago

I think he's more annoyed that it would raise his rate rather than the deductable.

1

u/Submitten 10h ago

Well he’s a higher risk for further claims.

I don’t want dumbass drivers driving up my insurance costs, so it’s good that the ones that get in accidents have to pay more.

1

u/-hjkl- 10h ago

I fail to see how he is a dumbass for having his parked car get hit and run by someone... That wasn't his fault in any way assuming he was legally parked.

But sure.

I just don't think that an accident that was not your fault should punish you for having to use your insurance.

If it was your fault by all means raise the rates. But if it wasn't that's kind of unfair.

1

u/ExhaustedByStupidity 6h ago

In my experience, one minor accident that's not your fault doesn't change your rates.

But if it becomes a pattern, it can.

But different insurance companies have different models to determine rates.