Subject: Re: Insurance pros and cons..... by 1Fast04Vert on 2008/5/21 16:03:07
Quote:
CentralCoaster wrote: Quote:
95vette wrote: Many people do not even know what comp coverage is and what exactly it covers, nor how inexpensive it is to take comp coverage to a zero deductable.
Tell me the point of having zero deductible comp. If you pull a claim every time you get a windshield crack or a door ding, or anything else under $500, your rates will soon go up, and you'll be branded as that picky guy who costs the insurance company money.
Insurance companies don't like people who file claims.
The best advice I have is to pay out of pocket for small damages, get high deductibles to reduce rates and never use your insurance unless it's something major.
Here in Georgia comp claims do not affect your rates. For lack of better words they are generally considered "act of God" or in other words something that is not your fault. Everything is totally different (and weird to me) in CA, like a foreign country with all the odd laws you have out there. Oh well, to each his own.
