by Guest » Tue Dec 30, 2008 05:27 am
If you get into an accident, whether or not you caused it, do not act like it is someone else's fault that you chose lousy coverage or worse yet, coverage you can't afford.
When you picked a $1000 deductible and your truck got rear-ended by a hit and run driver, and you don't have the money to fix your car, it is your fault for choosing that coverage.
Because you decided to save the $13.70 to purchase the $25/day rental coverage over the $50/day coverage you complain that you can't get into a rental for that amount (which you can easily, by the way) or that "I normally drive a BMW why should I have to drive an economy car?"
The purpose of insurance is to protect you in the case of an accident. If you are going to be unhappy with your coverage when the unfortunate happens, then take action now. Make the decision to pay slightly higher premiums now (even $100 every year can drastically change your premiums) to avoid a potentially larger amount of out of pocket expense later.
Don't blame your claims adjuster for your own poor coverage decisions. Even if the accident's not your fault, you're responsible for choosing your coverage and only you are to blame if you cannot meet the financial obligation of your deductible or refuse to drive around in an economy car.
When you picked a $1000 deductible and your truck got rear-ended by a hit and run driver, and you don't have the money to fix your car, it is your fault for choosing that coverage.
Because you decided to save the $13.70 to purchase the $25/day rental coverage over the $50/day coverage you complain that you can't get into a rental for that amount (which you can easily, by the way) or that "I normally drive a BMW why should I have to drive an economy car?"
The purpose of insurance is to protect you in the case of an accident. If you are going to be unhappy with your coverage when the unfortunate happens, then take action now. Make the decision to pay slightly higher premiums now (even $100 every year can drastically change your premiums) to avoid a potentially larger amount of out of pocket expense later.
Don't blame your claims adjuster for your own poor coverage decisions. Even if the accident's not your fault, you're responsible for choosing your coverage and only you are to blame if you cannot meet the financial obligation of your deductible or refuse to drive around in an economy car.
Posted: Thu Jan 01, 2009 02:51 pm Post Subject:
I think if people would sit down and weigh the pros and cons they would see even if these little "problems" with insurance are there basically it helps more than it hurts to have insurance. I understand the point of when you file a claim your insurance goes up (depending) but I look at all the times I actually had to pay a higher insurance payment and that was once on my home owners. If some of these ideas were not put into place think of what insure would cost a person then. If it was just that easy to call and report a claim for every known reason under the sun with out raising your insurance then people would do it all the time. Then think of all the "scammers" who would use it as an easy way to pocket a little money. As much as it may upset a person (the insuracne laws and business) you may have to relize why some of these things are in place. I have never been pushed to raise my deductible and I have kept a low one for years. I just think it needs to be looked at from all angles.
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