Re: $5k insurance

[Linus Toy <linust@mindspring.com>]

At 08:18 PM 1/30/97 EST, Jay Lee wrote:
>taking, especially if you're confident of your driving abilities.  If an
>accident occurs and you're not at fault, the deductible wouldn't be a factor,
>right?  That is, unless the other party is uninsured, but those are details.

those details can be quite a PITA.  last september, the other person refused
to accept liability, and his insurance company doesn't give a flying *&^
(wouldn't even bother to look at my car).  my insurance company doesn't
fault me (and so far hasn't raised my premium), in fact sent him and his
insurance company a nice note pointing out the law, but i'm still out my
deductible.

>OK, say you do wreck the A4 and it's your fault, I'm sure you can negotiate the
>deductible amount with any body shop, depending on the extent of the damages.
>By negotiating, I've never had to pay a deductible in my experiences.  
i won't touch this any farther than to say that's probably why all of us pay
more than we need to for insurance.

--linus
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* linus toy                       email:  linust@mindspring.com      *
* mercer island, wa                                                  *
*                                                                    *
*             The obscure we eventually see,                         *
*             the completely obvious, it seems, takes longer.        *
*                               - Edward R. Murrow                   *
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