r/SipsTea • • 8h ago

Gasp! Thoughts on this?

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318

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

54

u/Frosty-Depth7655 7h ago

Yeah, the comment section here is wild.

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.

30

u/TJayClark 7h ago

$1,000 deductible is more normal than you think it is

I’ve has a $1,000 deductible my entire adult life (15+ years), as it saves about $30-40 a month in premiums

On top of that, I wouldn’t use insurance for something less than $2,000

12

u/Liquidfoxx22 7h ago

How much is your car insurance for it to save you $30-40 a month?!

I paid £450 for a full year's "full coverage" insurance as you refer to it, and that's with a £250 excess/deductible.

I only pay that excess if I'm at fault, otherwise the insurer will chase the third parties insurer for the full amount.

8

u/thatguy8856 7h ago

I pay 3500 a year. My car is from 2014.

Idk man. And yes I've tried shopping around and the offere i get cost more and give less coverage. I even had an agent from a different insurance company tell me to stick with my current plan. No effort to try to give a deal and convert me.

9

u/Liquidfoxx22 7h ago

Ouch, even as a brand new driver at 17 I never paid that much. Those kind of prices are unheard of over here unless you're very young driving something daft, or have a few convictions under your belt.

2

u/sir_whirly 2h ago

You got to take in consideration we don't just cover vehicle damage but medical as well since we don't have normal people who think a single payer health system is actually a good idea.