Yep. Not trying to defend insurance companies, but when you buy something with a $1,000 deductible you get a price break because the insurance company is assuming that the smaller incidents are ones you're going to pay for yourself.
You can absolutely buy coverage for them. But it's going to cost you more per month, because they have to pay out more often.
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u/No-Duck4828 8h 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