KenK
Thu, 01 Dec 2016
16:16:53 GMT in alt.home.repair, wrote:

Twice this past month or two I've had insurance claims - theft and
a stolen car's damage to my property. Both times $500 deductible.
Currently I'm hoping the car has insurance - waiting for sheriff's
report - they won't answer my phone query about it. $4.50 for
report! sigh

Depending on the policy I'm looking at, my deductible is anywhere
from $500 to $1000. The higher your deductible here, the lower the
premiums are. Remember, insurance is only for the stuff you can't
replace/repair cost wise on your own. For the small things, leave the
insurance company alone and make the repairs yourself, out of pocket.
Don't get your insurance rates raised and earn your self a reputation
as a small claims abuser. They may drop you as a result and other
companies will charge extra if/when they decide to offer you
services.

Anyhow, is this $500 deductable standard? I can see a deductable,
maybe $100 or $200 to protect from many minor claims, but not
$500. What do you pay? If less than me, I may be changing
policies.

Most of the people I know irl have deductibles between $500 to $1000
like myself. I'd say it's common practice. A few people have much
higher deductibles, but, they pay next to nothing on their premiums.
None of us contact our insurance companies for small things. As, we'd
rather just pay out of pocket unless the damage well exceeds our
deductible.

--
Make yourself sheep and the wolves will eat you.
Benjamin Franklin