Originally Posted by JARblue

If your insurance charges you a deductible for an accident that is not your fault, you should dump them immediately. I ALWAYS work with my own insurance company because they have MY interests in mind since I am their customer. The other person's insurance won't give two $hits about you or any problems you have.



I have never paid my insurance deductible except for one time. I avoided a collision with a vehicle coming into my lane suddenly, but I wound up running my Sentra up on to a median curb by doing so. The guy drove off, and I even got the phone number of a witness who saw what happened. However, insurance wouldn't make a claim under my uninsured motorist clause even with the witness (so now I know to always let the guy hit me rather than hit something else myself). The accident wound up being over $1500 because I busted the oil pan and the radiator was damaged. I wasn't interested in paying the repair fee, so I claimed it on my insurance and paid my $500 deductible. They did not raise my rates either.