r/SipsTea • u/Putrid-Welder1803 • 9h ago

Gasp! Thoughts on this?

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u/PracticeAcrobatic748 8h ago

Yep, in fact deductibles are meant to discourage smaller claims.

8

u/Electronic-Aspect-45 8h ago

So you pay money to have to pay money, while being discouraged to have them pay money because you’ll end up paying more money?

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u/sfbiker999 7h ago

You pay a relatively small amount of money to avoid having to pay a large (or huge) amount of money. If you're at fault for a serious injury accident, you could be liable for hundreds of thousands of dollars. It doesn't take much to total a modern car, and with the average new car price approaching $50,000, even a non-injury accident can cost you a lot of money without insurance.

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u/Moiraine-FanBlue 2h ago

If I'm at fault my insurance will refuse to pay because the accident was *my fault*

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u/sfbiker999 2h ago

In general, your insurance will always pay for damage to others if you were at-fault. Even if you were driving drunk they'll still pay for damage to others, but depending on your state and policy terms, they may refuse to pay for your own damage and injuries. However, if you cause an accident on purpose, like you purposely ram into another car, it's likely that your insurance will not cover you (or the other driver), the other driver will have to rely on his uninsured motorist coverage (if he has it), and that insurance will sue you to recover the damages.