Should i claim insurance?

[WeeYari]

LMFAO!!!!!!!!!!!!!!!!!!

Suck it up and pay for the repairs.

I've worked in IT for an insurance company for 19 years and am married to a licensed broker.

I just had her read this thread full of crap, and she is still on the floor laughing.

Do not take advice from an American. In Ontario, you cannot lower a deductible to less than $300.

Your door damage, which is an at fault will haunt you with rate increases. You cannot wait to file. Any adjuster will be able to tell whether or not something that has damaged body panels is recent, or prior unreported damage.

...the list of stupidity and miss-information be tossed about here goes on and on and on...

[caineroad]

Originally Posted by WeeYari

LMFAO!!!!!!!!!!!!!!!!!!


Do not take advice from an American. In Ontario, you cannot lower a deductible to less than $300.

Don't say you worked for 19 years, you are disgraced. Of course we can, my dad has his car with $0 deductible is a toyota matrix. I guess your insurance company doesn't do that, but mine does.

[WeeYari]

Originally Posted by caineroad

Don't say you worked for 19 years, you are disgraced.

Yeah, whatever. At least I don't stoop to personal attacks.

I will attack a thread, especially one that appears to be geared toward creating Opportunistic Fraud, but not the poster.

Originally Posted by caineroad

Of course we can, my dad has his car with $0 deductible is a toyota matrix. I guess your insurance company doesn't do that, but mine does.

I'm sure he does. He has been 'rewarded' by what some companies have introduced. It is known as the disappearing deductible. It needs to be earned through years of claims free driving. You cannot just call up and say "Re-write my policy with a zero$ deductible please".

[mazilla]

Originally Posted by WeeYari

I'm sure he does. He has been 'rewarded' by what some companies have introduced. It is known as the disappearing deductible. It needs to be earned through years of claims free driving. You cannot just call up and say "Re-write my policy with a zero$ deductible please".

"Rewarded" huh....is that what your country has let you believe is a "reward"? I can call my insurance co tomorrow and change my deductible up and down from zero to whatever number I decide. Sucks to be Canadian, I guess.

[SailDesign]

Originally Posted by mazilla

"Rewarded" huh....is that what your country has let you believe is a "reward"? I can call my insurance co tomorrow and change my deductible up and down from zero to whatever number I decide. Sucks to be Canadian, I guess.

Yubbut, Mazilla, if you call up and adjust your deductible to zero, your rates go up.
In the UK, where I grew up, they had what they called a No-Claims Bonus, and after 10 years or so, it could drop your payments to about 50% of the original.

[mazilla]

Originally Posted by SailDesign

Yubbut, Mazilla, if you call up and adjust your deductible to zero, your rates go up.
In the UK, where I grew up, they had what they called a No-Claims Bonus, and after 10 years or so, it could drop your payments to about 50% of the original.

True, but the increase is insignificant if you have a claim...I think mine went up about 12 dollars a month to have a 50.00(comprehensive) deductible. I keep my collision deductible @ 500 because it seems to make a bigger difference. Occasionally somebody will do something to my car(steal something, scratch it, etc) and since it's not my fault, and not an accident, it's does not increase my rates.

[caineroad]

Originally Posted by mazilla

"Rewarded" huh....is that what your country has let you believe is a "reward"? I can call my insurance co tomorrow and change my deductible up and down from zero to whatever number I decide. Sucks to be Canadian, I guess.

Its the same in Canada, don't listen to that guy he knows nothing. I just called my insurance and got a quote if I change to $0 deductible, the price would increase from $1500 to $2480. Easy easy.

[mazilla]

Originally Posted by caineroad

Its the same in Canada, don't listen to that guy he knows nothing. I just called my insurance and got a quote if I change to $0 deductible, the price would increase from $1500 to $2480. Easy easy.

I was wondering why it would be like that, thanks for clearing that up. Ask your agent what the price would be to keep your collision deductible higher and take your comprehensive down to 50.00 or so...you might be surprised. Of course I get my rates lower because of all the insurance I carry, and my perfect driving record so it may not be the same for everybody. I pay about 150.00 per month for all those vehicles, full coverage(except the 70 cougar, cause they won't do it) with a 500.00 collision and a 50.00 comprehensive.

[caineroad]

Originally Posted by WeeYari

Yeah, whatever. At least I don't stoop to personal attacks.

I will attack a thread, especially one that appears to be geared toward creating Opportunistic Fraud, but not the poster.



I'm sure he does. He has been 'rewarded' by what some companies have introduced. It is known as the disappearing deductible. It needs to be earned through years of claims free driving. You cannot just call up and say "Re-write my policy with a zero$ deductible please".

Oh now you say he can! Few hours ago you were saying in Ontario we cannot lower the deductible below $300, huh? Lol, god do yourself a favour. Go to desjardins insurance and get a new quote right now I guarantee you can get $0 deductible. Stop living in this ignorance, it might be the way you think 19 years ago but not anymore now. I did not person attack, whereas when you are attacking a thread is no difference than attacking the OP who started it.

[saltwt]

Originally Posted by WeeYari

LMFAO!!!!!!!!!!!!!!!!!!

Suck it up and pay for the repairs.

I've worked in IT for an insurance company for 19 years and am married to a licensed broker.

I just had her read this thread full of crap, and she is still on the floor laughing.

Do not take advice from an American. In Ontario, you cannot lower a deductible to less than $300.

Your door damage, which is an at fault will haunt you with rate increases. You cannot wait to file. Any adjuster will be able to tell whether or not something that has damaged body panels is recent, or prior unreported damage.

...the list of stupidity and miss-information be tossed about here goes on and on and on...

So why do you continue to hang around? Must be a Canadian?