Why should i pay for something?
2021-03-20 8:03 am
Earlier today i was involved in an auto accident where i was rear ended. The person who hit me was uninsured and i have full coverage in my policy. I contacted my insurance agency and they told me to contact the auto claims number so i did that and i have an appointment to a autobody shop on monday. They told me that i have to pay 500 dollars deductible cost and theyll pay for the rest. I wasnt at fault at all so why should i pay from my pocket?
回答 (20)
2021-03-20 8:06 am
Because the policy you got HAS a $500 deductible.
Now, you have the legal right to sue the at fault driver for that $500 and you would very likely win such a suit. But, that would take time, and then you have to collect the money after such a court win.
A smart person keeps such a sum banked in case they have need of it.
Now, you have the legal right to sue the at fault driver for that $500 and you would very likely win such a suit. But, that would take time, and then you have to collect the money after such a court win.
A smart person keeps such a sum banked in case they have need of it.
2021-03-20 9:06 pm
Why? Because you chose that $500. deductible when you bought your insurance. BUT.....You may get it back. Your insurance company will pay to repair your car minus the $500. Then they will go after the bad guy (sue him) and if they win they will return your $500.
You better get a 3 minute "Insurance 101" lesson so you know how insurance works.
You better get a 3 minute "Insurance 101" lesson so you know how insurance works.
2021-03-20 12:12 pm
You have to pay because you agreed to a $500 deductible when you signed up for the policy. It doesn't matter whose fault it is.
It's not your fault when a hail storm damages your vehicle either, but there's a deductible for that too. Welcome to the real world.
It's not your fault when a hail storm damages your vehicle either, but there's a deductible for that too. Welcome to the real world.
2021-03-20 8:08 am
Because you have a $500 deductible policy.
2021-03-20 12:37 pm
Because that's what you agreed to when you bought a policy with a 500 dollar deductible - duhhh. It doesn't matter who was at fault. If you had been halfway intelligent you would have added uninsured / underinsured motorist coverage and then you'd have nothing to pay. Something like one out of eight drivers is illegally driving without insurance these days.
2021-03-21 6:11 am
if you read the policy you pay the first $600 and they pay the rest , or your policy would be higher thats why , read the paperwork .
2021-03-21 3:13 am
$500 was the amount you agreed to pay first out of your pocket. You would have to sue the other party to get that back. Insurance may do that for you. I don't know. I have a clean driving record 40+ years.
. Insuring the car for 0$ deductible...it is not worth it. IMO. I don't make a habit of crashing, so why would I want to pay something close to FULL COVERAGE insurance year after year?
. Insurance rate goes down the higher the deductible you are willing to pay first.
"THEY MAKE THE RULES" You figure it out from there.
. Insuring the car for 0$ deductible...it is not worth it. IMO. I don't make a habit of crashing, so why would I want to pay something close to FULL COVERAGE insurance year after year?
. Insurance rate goes down the higher the deductible you are willing to pay first.
"THEY MAKE THE RULES" You figure it out from there.
2021-03-20 8:12 am
The deductible is $500.
2021-03-20 8:43 am
You pay whatever the deductible amount is on YOUR insurance policy. I carry $250 deductible. My husband carries $1,000 deductible. It depends on YOUR individual policy. You didn't carry uninsured/underinsured coverage? That would have paid the total amount. Did your insurance company advise you to sue in Small Claims Court for your deductible and any other expenses? The person who hit you is, of course, responsible. I'm quite surprised that your insurance company is willing to pay for repairs to a 2006 Jetta with a serious oil leak - "I have a 2006 jetta that has an oil leak so i went to a mechanic shop and they estimated the price up to 1000$" Blue Book value is in the area of $3,000.
參考: insurance adjuster
2021-03-23 2:37 pm
Because you have a deductible. That's how it works. Go after the other person in small court if it was their fault. But your insurance company is doing their end of the bargain.
That's why you need to maintain a savings account because things happen and life isn't fair.
That's why you need to maintain a savings account because things happen and life isn't fair.
2021-03-22 6:52 am
When you bought the insurance you agreed to the deductible. You should have asked then what that meant. Be lucky the deductible wasn't a thousand.
2021-03-21 4:36 am
The majority of people never bother to understand how their insurance coverage works until they are involved in an accident.
MAYBE if fault can be established to the other driver, they will be obligated to pay the $500.
You having $500 deductible on body collision coverage is one thing, but the other person having NO insurance (if insurance is required) is quite another. What is the WHOLE story here??
MAYBE if fault can be established to the other driver, they will be obligated to pay the $500.
You having $500 deductible on body collision coverage is one thing, but the other person having NO insurance (if insurance is required) is quite another. What is the WHOLE story here??
2021-03-20 9:56 pm
'Cause, Emory, you don't have full coverage. You went cheap. If you had full coverage, there would be no argument. LOL
2021-03-20 9:09 am
Get 3 estimates to fix your car and then sue the other driver in small claims court for your damages.
2021-03-23 1:52 pm
Because your collision coverage is going to cover your damages and it has a $500 deductible, you will have to pay it. If your insurance company has the other person's information, I can assure you, they will go after him including taking him to court to recover what they paid out to fix your car, you can take him to small claims court to recover the $500 deductible you had to pay out of pocket plus any other expenses you incurred relating to this matter, and if applicable, any time you lost from your job to take care of this.
2021-03-22 2:37 am
cos YOU made a claim on YOUR insurance to pay for repairs so YOU pay YOUR deductable
BUT - you are now free to sue the other driver FOR that deductable
(good luck with that one
You just hit on one the the BIG problems I see in US insurance - It can be far cheaper for an owners NOT to bother with any insurance cos the police have no way of checking if the car/driver is insured at all its easy to check in the UK (if no insurance car is impounded there and then) even if there is no accident
In the US - no insurance the victim has to locate the driver and sue for any costs)
BUT - you are now free to sue the other driver FOR that deductable
(good luck with that one
You just hit on one the the BIG problems I see in US insurance - It can be far cheaper for an owners NOT to bother with any insurance cos the police have no way of checking if the car/driver is insured at all its easy to check in the UK (if no insurance car is impounded there and then) even if there is no accident
In the US - no insurance the victim has to locate the driver and sue for any costs)
2021-03-20 9:20 am
Talk to your insurance agent - they should go after the other guy for the amount and your 500 if not sue the uninsured person in small claims court. Not that they have anything to get but probably worth the fee.
2021-03-20 7:17 pm
Welcome to the wonderful world of auto insurance...
Upgrade your coverage to zero deductible and uninsured coverage in the future and you won't have to worry about stuff like this if it happens again.
In the mean time, you can always take the other driver to small claims court to sue them for that $500 deductible but that will take time and even if you do win, there's no guarantee you will actually ever get your money back.
Upgrade your coverage to zero deductible and uninsured coverage in the future and you won't have to worry about stuff like this if it happens again.
In the mean time, you can always take the other driver to small claims court to sue them for that $500 deductible but that will take time and even if you do win, there's no guarantee you will actually ever get your money back.
2021-03-20 5:43 pm
I think you still have to pay the deductible even if you have full coverage. I had the same thing happen to me and I think I remember paying that amount. Thankfully you have insurance so hopefully your car will be fixed soon
2021-03-21 12:40 am
Ignore the advice to go to a zero deductible. It is usually very expensive , often adding $200 to the premium. Paying $200 for $500 is not sensible.
Better idea is to pay for legal insurance which most insurers offer as an extra. It’s normally about $50 and you get a free lawyer to pursue uninsured loses. Your insurance company is supposed to do this in theory but they don’t care so don’t really try very hard.
Better idea is to pay for legal insurance which most insurers offer as an extra. It’s normally about $50 and you get a free lawyer to pursue uninsured loses. Your insurance company is supposed to do this in theory but they don’t care so don’t really try very hard.
收錄日期: 2021-04-24 08:38:58
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