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Have You Ever Paid for an Auto Accident Out-of-Pocket?

SodaHead Living 2012/07/11 22:53:52
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Signing up for insurance can be a pain the neck, but without it you could end up footing a bill you can't afford. Health insurance has taken a prominent spot in politics lately as the government attempts to get basic coverage for more people, but good coverage will never be completely free, and selecting a plan that's understandable and affordable can still be a chore. Let us know your thoughts on insurance with this six-question Quick Poll. We'd love to hear from you!

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Top Opinion

  • Don Leuty 2012/07/13 18:28:41
    Yes, even though my insurance covered it
    Don Leuty
    +4
    The claim was less expensive than the rate increase.
    >> See Replies

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Opinions

  • kikidistiles 2013/03/11 17:19:55
  • Brosia 2012/08/13 00:51:07
    No, never
    Brosia
    Each time I had an accident, I had insurance. I have not gotten into any in a long time, which is good, because I don't have insurance.
    reply
  • chas 2012/07/26 18:54:58 (edited)
    Yes, even though my insurance covered it
    chas
    1995. Slight rear-end hit. My fault. Man had 1994 Park Avenue (luxury car at time). Rear bumper-cowl. Paid $1500 for a hunk of plastic. Live and learn. IF tired, stay HOME !!! I was a newer-driver at the time, so rates could have spiked for me.
    reply
  • JCLadybug 2012/07/16 14:35:34
    Yes, even though my insurance covered it
    JCLadybug
    +1
    If it close to the deductible, I will just pay it, no reason to file an insurance claim....and if it was a minor fender-bender, you can pay out of pocket and not alert insurance (to keep your rates from going up). My last (and only 2nd in 10 years) was so minor there wasn't any damage so there was no reason even alert insurance.
    reply
  • Maiko 2012/07/15 22:30:32
    No, never
    Maiko
    No. Never caused an accident. It's illegal NOT to have insurance so why would anyone pay out of pocket unless it's cheaper due to a high deductible, high rate increase, or the person doesn't have insurance and doesn't want to get in a boat load of trouble for not having it.
    reply
  • Heisenberg 2012/07/15 18:18:09
    No, never
    Heisenberg
    +1
    My insurance covered it every time.
    reply
  • Michael 2012/07/15 16:29:12
    Yes, even though my insurance covered it
    Michael
    +2
    Of course, only a fool would not be aware that an accident raises the insurance rate that you pay and consequently the yearly payments might end up costing more than the fender bender. My step daughter had two small fender benders in a row, and would have had to pay $1500 a year more in insurance, triple what paying out of pocket for the repair of the other car ended up to be.
    reply
  • paul 2012/07/15 15:40:20
    Yes, even though my insurance covered it
    paul
    +2
    wrecked Bentley

    Yes.....but Luckily I happened to find $100, 000 between my car seat..... money found in car
    reply
  • wilsonmja 2012/07/15 15:33:03
    Yes, even though my insurance covered it
    wilsonmja
    +1
    Well, it happened at work and I didn't wanna get fired so I cut a deal and paid the guy $1100
    reply
  • BIG BAD JOHN R. 2012/07/15 15:05:16
    Yes, even though my insurance covered it
    BIG BAD JOHN R.
    +1
    One winter I knocked over a city light pole because of ice on the road, it was cheaper in the long run to just pay for the dumb thing than going on my insurance record.
    reply
  • Veritas 2012/07/15 13:50:50
    No, never
    Veritas
    +2
    Someone paid ME though. She was a young driver and her father said it was best to handle out of pocket because of her insurance rates.

    The teen was very responsible. She hit my car in a parking lot and LEFT A NOTE! I called her and spoke with both her and her father and we settled the whole thing without police or the Insurance company. That father did a great job raising his daughter.
    reply
  • MlssCue... Veritas 2012/07/15 22:30:24
    MlssCue =Go Blue=
    +1
    Good on you. Not many people, would be so kind & thoughtful about that situation.
    reply
  • mm61675 Veritas 2012/07/16 00:00:08
  • Veritas mm61675 2012/07/16 00:20:14
    Veritas
    Oh, sorry. That was not my experience.
    reply
  • Jarod Kochman 2012/07/15 11:58:39
    No, never
    Jarod Kochman
    I have never gotten into an accident
    reply
  • Dave 007 2012/07/15 11:54:31
    Yes, even though my insurance covered it
    Dave 007
    Yes to avoid a rate increase. I was lucky that the body work was not that expensive. But make sure you tell the body shop that you are not going through insurance, they will change you the cheaper rate.
    reply
  • Rod 2012/07/15 11:01:34
    No, never
    Rod
    +1
    Never. I've driven all over the US, Canada, and Mexico for 45 years and I have never had an accident.
    reply
  • YOUR EARTH ANGEL'S REDEMPTION 2012/07/15 10:44:44
    Yes, even though my insurance covered it
    YOUR EARTH ANGEL'S REDEMPTION
    I FORGOT TO GET THE OTHER GUY'S DRIVER LICENSE AND HE GAVE ME A FAKE INSURANCE CARD....
    reply
  • clasact 2012/07/15 09:11:52
    Yes, even though my insurance covered it
    clasact
    If I can keep something off my record and its small enough I can pay for it ,you bet I have
    reply
  • sally 2012/07/15 03:32:49
    No, never
    sally
    +1
    Cause I've never been in an accident.
    reply
  • no1ymfan 2012/07/15 03:16:42
    No, never
    no1ymfan
    Damn, someone's got that kinda cash in their wallets?
    reply
  • Swampdog 2012/07/14 23:31:32
    Yes, even though my insurance covered it
    Swampdog
    +1
    Hit a Jag in the grocery store parking lot. $1400.00 for a rear quarter panel.
    reply
  • Dave 007 Swampdog 2012/07/15 11:55:34
    Dave 007
    +1
    That's not really too bad of a price.
    reply
  • Swampdog Dave 007 2012/07/15 12:03:25
    Swampdog
    Cleaned out mt savings account.
    reply
  • Dave 007 Swampdog 2012/08/04 12:39:09
    Dave 007
    +1
    Ouch.
    reply
  • Swampdog Dave 007 2012/08/04 13:58:33
    Swampdog
    it happens, bettern an insurance rate raise.
    reply
  • hasher 2012/07/14 22:58:51
    Yes, because it was not covered by insurance
    hasher
    but i didnt pay someone gave me money because he dented my fender and i had a clunker car anyway so he just gave me 100 cash and it was easier than going through insurance. and then my sons friend hit my car on purpose and i got almost 2000 from him for the same car. because he went to court over it. and was ordered to pay restitution
    reply
  • ♥K14 2012/07/14 21:30:22
    No, never
    ♥K14
    Never had an accident.
    reply
  • Bibliophilic 2012/07/14 21:07:17
    No, never
    Bibliophilic
    The only accident I've been in was when a guy rammed into my car because he didn't look. Who doesn't look when backing up in parking lot?! We both had insurance, and his paid for my repairs. Once my mom got hit, and a guy paid for her to get her car fixed without notifying insurance because he didn't want the price to go up.
    reply
  • Kigan 2012/07/14 20:50:30
    No, never
    Kigan
    I've never been in an accident that I caused, and I intend to keep it that way.
    reply
  • stevegtexas@aol.com 2012/07/14 20:46:47 (edited)
    Yes, even though my insurance covered it
    stevegtexas@aol.com
    Yes, paid for a small dent my truck did to another persons vehicle at my workplace.....we settled it ourselves without having ti use the insurance companies as i recall....wow.....years ago...sometimes people choose that option if they know each other.
    reply
  • Lemonzerozero 2012/07/14 19:22:33
    No, never
    Lemonzerozero
    I've never been in an accident that was caused by me. Bad drivers should have their license pulled forever... too easy to get a license.
    reply
  • BOOGIE-WOOGIE-MUSIC-MAN-ROC... 2012/07/14 17:33:32
    Yes, even though my insurance covered it
    BOOGIE-WOOGIE-MUSIC-MAN-ROCK-N-R
    Higher rates eight up an inexpensive claim.
    reply
  • rustyshackelford 2012/07/14 12:28:55
  • Watts 2012/07/14 08:00:54
    Yes, even though my insurance covered it
    Watts
    +1
    it was cheaper than paying the insurance excess payment & losing my no claims
    reply
  • stevegt... Watts 2012/07/14 20:47:35
    stevegtexas@aol.com
    yeah ive done it also at the workplace a small dent, and saved on my rates going up for something so schmall.
    reply
  • Gaven Small 2012/07/14 06:14:27
    Yes, even though my insurance covered it
    Gaven Small
    +1
    Its cheaper then the increase in insurance and possibly the ticket you get from the accident report if someone calls the police.
    reply
  • Lyana 2012/07/14 05:55:21
    Yes, even though my insurance covered it
    Lyana
    What was even worse was the guy looked like a crack addict, and he looked at me like I was a piggy bank. o_O
    reply
  • ~HopelessRomanticM17~ 2012/07/14 04:43:31
    No, never
    ~HopelessRomanticM17~
    No I haven't
    reply
  • Cameryn 2012/07/14 04:41:55
    No, never
    Cameryn
    +1
    I've never been in a car accident. I don't have a license.
    reply
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2013/05/18 20:47:34

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