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What you should know about your auto insurance that can really save you a ton of money and a lot of frustration.
When should you make a claim on your auto insurance policy? What should you pay for out of your pocket and not file a claim for?
Do you know what your deductible is? A deductible is the amount of money YOU will be required to pay if YOUR insurance company pays the claim. You pay that amount of the actual repair cost first before your insurance pays the difference.
Having a $1,000 deductible and filing a claim on your policy for $1,800 you will pay $1000 and the insurance company will pay $800. I would NOT file a claim for this if at all possible. The risk to an increase in your premiums is too high for me and I would just pay the $1,800 myself and not report it to my insurance company if I could.
Having a $1,000 deductible rather than $500 might save you $150-200 a year, and if you are a safe driver with no claims in the past 7 years or so you would save quite a bit over those 7 years. I would put the savings into an ”emergency fund” which gains interest and use that money in the case of a claim. If no claims, you have a nice little nest egg to spend on something else.
The purpose of the deductible is to keep you from claiming all little claims/accidents etc. that happen during normal life. Having a $1000 deductible will definitely keep you from doing that, right?
Now, if the accident was not your fault and the other insurance company is paying the claim you pay nothing, your deductible is only for your at fault claims for repairing your vehicle.
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