14 captured repliesDiscussion pagination complete · Source accounts, not a confirmed diagnosis
THIS DISCUSSION / SOURCE-DERIVED OVERVIEW
Discussion summary
YOUR RESEARCHSurvey: What is your deductible?
Leading reported evidence
Use insurance
Performed · outcome unconfirmed
No successful repair reported for this finding.
0
Reported fixes
0
Unsuccessful attempts
1
Discussions
Read evidence and context
Explicit resolution reports before identified causes, performed actions and suggestions. Within each level, matching component labels precede direct query mentions and inherited thread context; successful versus unsuccessful discussion counts, owner confirmations and independent discussion support determine order. This is not a probability of success.
Discussions that performed work without a confirmed outcome
1
0 original-poster resolution reports. Counts can overlap; they are not unique people or a success rate.
0 discussions have direct query context; 0 report a fix in that context. Other evidence may inherit the discussion’s subject.
Performed · outcome unconfirmed
In 6 years I have used my insurance to pay a claim once.
Leading evidence: 'Use insurance' (no explicit attributable resolution; this is a reported action or suggestion). Across 1 matching discussions, The most frequently discussed action is 'Run imo' (1 discussions). For that action, 0 discussions report a resolution and 0 report an unsuccessful attempt. No action has an explicit, attributable resolution report under the current rules. These are forum reports and suggestions, not a confirmed diagnosis.
Source reports, not a diagnosis or a success probability. Counts refer to discussions and can overlap.
Explicit resolution reports before identified causes, performed actions and suggestions. Within each level, matching component labels precede direct query mentions and inherited thread context; successful versus unsuccessful discussion counts, owner confirmations and independent discussion support determine order. This is not a probability of success.
Discussions that contain suggestions
1
0 original-poster resolution reports. Counts can overlap; they are not unique people or a success rate.
0 discussions have direct query context; 0 report a fix in that context. Other evidence may inherit the discussion’s subject.
Explicit resolution reports before identified causes, performed actions and suggestions. Within each level, matching component labels precede direct query mentions and inherited thread context; successful versus unsuccessful discussion counts, owner confirmations and independent discussion support determine order. This is not a probability of success.
Discussions that contain suggestions
1
0 original-poster resolution reports. Counts can overlap; they are not unique people or a success rate.
0 discussions have direct query context; 0 report a fix in that context. Other evidence may inherit the discussion’s subject.
Suggestion
If you're concerned about the deductible, set the premium difference aside, til you get to the $1k mark (prob around ~2yrs), then pocket the rest.
Explicit resolution reports before identified causes, performed actions and suggestions. Within each level, matching component labels precede direct query mentions and inherited thread context; successful versus unsuccessful discussion counts, owner confirmations and independent discussion support determine order. This is not a probability of success.
Discussions that contain suggestions
1
0 original-poster resolution reports. Counts can overlap; they are not unique people or a success rate.
0 discussions have direct query context; 0 report a fix in that context. Other evidence may inherit the discussion’s subject.
Suggestion
In essence, you are gambling as to whether you will need to "use" your insurance before or after that break-even point.
Counts describe captured discussions, not unique people or a diagnosis. Author identities are not reliably stored. Exact duplicate evidence is counted once across matching discussions; one discussion counts at most once per action/state. Multiple repairs reported together remain a combination. Suggestions and failed attempts do not establish a fix. Matches cover whole discussions and can include related faults, model variants and incomplete threads.
14 eligible posts · 0 unverified posts · 1 discussions match the subject in their title or opening post.
Rennlist: 1 discussions
0 evidence records excluded for query context · 0 excluded by outcome qualification · 0 adjusted by outcome qualification.
0 acknowledgements have no verified action link; they do not establish a repair result.
Generation: 20261027T061840Z · outcome-qualification-6. Deterministic extraction; no AI model inference. How we use sources
I am trying to decide whether to do $300, or save big bucks on the premium and do $1,000. Curious as to what you guys have done (and whether it's worked out).
How much time will it take for the difference in premiums to add up to the difference in deductibles?
The shorter the time period, the more likely I would be to go with the higher deductible.
In essence, you are gambling as to whether you will need to "use" your insurance before or after that break-even point.
I look at my personal accident history. In 6 years I have used my insurance to pay a claim once. I have always had a $1000 deductible, and I feel that the savings in premium definitely makes up for the larger deductible, since I have (knock on wood) only had to use it once in 6 years.
I would go for the largest deductible that will not be painful for you to pay on very short notice. For most, that winds up being $1000-$2000.
That is, of course, unless you are prone to 2 claims per year like a couple of my stupid friends.
<img border="0" alt="[cheers]" title="" src="graemlins/beerchug.gif" />
Speedy G,
Save the bucks, go with the $1000. If you're concerned about the deductible, set the premium difference aside, til you get to the $1k mark (prob around ~2yrs), then pocket the rest. So you the doh just in case.
As difficult as the insurance market is right now, its probably going to be self defeating to try to come out ahead by turning in low dollar claims. This is especially true if you have a multi million dollar umbrella policy which can be very hard to replace right now if you are non-renewed (even if it was for minor claims or tickets).
Right now I personally wouldn't turn in anything less than $10,000 so that's where my deductible is.
I max'ed out on my deductible which is 1,000. Personally would not get insurance involved unless was a sizable claim. Just not worth it in the long run, imo.
This is a source reference. Confirm exact model applicability in the original material.
