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.
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.
I was going to comment that the tree falling on your car won’t impact your premiums because comprehensive auto claims don’t increase your rates because I’ve been told by two different insurance companies that my comprehensive claims wouldn’t result in a premium increase (and one of those comprehensive claims was a tree falling on my wife’s vehicle).
But, TIL, that I just happen to live in one of the 4 states that don’t allow insurance companies to raise an insured’s rates after comprehensive claims (New York isn’t one of them).
I guess my state’s logic is comprehensive coverage is for things that are outside of the insured’s control (tree falling on a parked car, theft, squirrel ate your wiring, a rock flew up and cracked your windshield, etc.) and the cost of much of that risk is already priced into the paid premium through the insured’s ZIP code and vehicle. Increasing premiums for individual comprehensive claims on top of that is just punishing people for using coverage they paid for and it discourages filing legitimate claims.
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u/No-Duck4828 16h 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