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

by SodaHead Living Posted 2012/07/11 22:53:52

Related Topics: Auto Insurance, Expensive, out-of-pocket

928 votes
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	Yes, even though my insurance covered it	195 votes	21%
	Yes, because it was not covered by insurance	149 votes	16%
	No, never	584 votes	63%

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!

Brought to you by 2insure4less.

+15

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Don Leuty 2012/07/13 18:28:41

Yes, even though my insurance covered it

+4
The claim was less expensive than the rate increase.
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JohnT 2012/07/14 03:57:15

No, never

I have to cross my fingers on this one but only had one minor fender bender in 1971 and have drove almost a half a million miles without a accident. According to the Insurance institute I should have had about 6 accidents in that time. So only had the insurance pay for one accident.

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im right ur wrong 2012/07/14 03:31:00

No, never

i anit payin for a mistake a retard made.

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Lakota Deviant 2012/07/14 03:24:48

No, never

Never been at fault from an accident. The lady that hit me paid me out of her pocket because she didn't want to pay her deductible or her premium to go up. I thought the point of insuring yourself was so that you had coverage from having to pay out of pocket but why is that almost never is the case?

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me being me 2012/07/14 03:19:55

Yes, even though my insurance covered it

Long story.

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Georgia50 2012/07/14 02:57:22

No, never

No, but I've accepted cash payment after being hit. Damage was minor, he was in a hurry. I didn't want the hassle.

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Just me ∞ijm♥G☮F♀U∞ 2012/07/14 02:01:26

Yes, even though my insurance covered it

+1
I paid for it completely out of pocket b/c it was cheaper than paying the deductible.

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Elizabeth 2012/07/14 01:22:41

Yes, even though my insurance covered it

+1
Yes b/c it was relatively inexpensive and less than the insurance hike in the long run.

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Katherine 2012/07/13 20:20:51

No, never

I've only been in one fender bender. The insurance went up $300 after the accident. So basically payments are just for their representation. >:(

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MOMMA THOMAS 2012/07/13 20:06:27

Yes, even though my insurance covered it

+1
YES....JUST A LITTLE DENT CAN MAKE YOUR INSURANCE COVERAGE SOAR.

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baxter 2012/07/13 19:25:34

No, never

DONT DRIVE

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MlssCue =Go Blue= 2012/07/13 19:24:24

No, never

Never been in an accident thank God!

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Dave 007 to MlssCue... 2012/07/15 11:57:24

+1
Sounds like you just put a whammy on yourself.

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MlssCue... to Dave 007 2012/07/15 22:25:44

Don't say that. I knocked on wood, so I'm good lol

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SilveryRow 2012/07/13 18:59:12

No, never

+1
Never had to pay for any accident

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Juan O'Mara 2012/07/13 18:57:39

Yes, even though my insurance covered it

+1
vhen Juan heem eez drunk he geet een a wreck once and he pay 500 dorrars por zee other folks dey no go through eensurance.

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Georgia50 to Juan O'... 2012/07/14 02:58:36

+1
That's why I have uninsured motorist coverage.

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Dave 007 to Georgia50 2012/07/15 11:58:00

+3
You understood what Juan said?

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MlssCue... to Dave 007 2012/07/15 22:27:09

+1
LOL That's what I'm saying!

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Georgia50 to Dave 007 2012/07/17 00:03:29

+1
Not one bit. Saw "Juan" and winged it.

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MlssCue... to Georgia50 2012/07/17 03:42:31

+1
You should be a translator! ;-)

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Georgia50 to MlssCue... 2012/07/17 17:36:57

+1
Problem is I'm a hopeless smartass. Juan asks how the weather is, and I say, "Cheelee today, hot tomale."

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MlssCue... to Georgia50 2012/07/17 20:43:18

+1
Juan must love you lol

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themadhare ~IJM 2012/07/13 18:56:44

Yes, even though my insurance covered it

+2
$600 and my rates didn't go up.

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Don Leuty 2012/07/13 18:28:41

Yes, even though my insurance covered it

+4
The claim was less expensive than the rate increase.

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ajracestables1 2012/07/13 18:25:23 (edited)

No, never

Just the deductable and some of the things the insurance would not pay because of the "aftermarket" parts. My old car got hit by some mexican one night, they were not insured but I could still drive my car so I did not fix it and traded it in.

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Red Rage 2012/07/13 13:07:32

Yes, because it was not covered by insurance

Some mexicans ran a red light and had no insurance, go figure.

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MlssCue... to Red Rage 2012/07/15 22:27:41

Racist much?

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Rdtourist 2012/07/13 12:56:44

Yes, because it was not covered by insurance

Having never had an at fault accident since 1961, I have never paid for an accident otherwise. Solo falldowns on motorcycles, of course I have paid them.

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Tasinahri 2012/07/13 06:07:58

No, never

Never been in a car accident.

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belikebunce 2012/07/12 22:21:48

Yes, even though my insurance covered it

I have also paid these out of pocket because it is cheaper and easier than submitting a claim, dealing with the other individuals insurance and then subjecting yourself to higher premiums.

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wes 2012/07/12 20:41:49

No, never

Nope, it's never my fault.......

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screamingsloth 2012/07/12 19:35:31

Yes, even though my insurance covered it

+1
I hit a Mustang in the rear with my MG. I paid to fix the Mustang and my car because the increase of rates would have been outrageous.

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tina 2012/07/12 18:20:14

No, never

No and I hope I never will.

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El Prez 2012/07/12 17:31:24

Yes, even though my insurance covered it

+2
Yes, it was minor and I didn't want to report it to my insurance.

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Fashionable60s 2012/07/12 16:42:03

No, never

Always have health insurance

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belikeb... to Fashion... 2012/07/12 22:22:46

What does that have to do with an auto-accident?

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Fashion... to belikeb... 2012/07/13 00:06:23

+2
I meant to say I had auto insurance on a no fault basis with a $150 deductible. Sorry to have confused you.

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lovelygoddess101 2012/07/12 16:27:23 (edited)

Yes, even though my insurance covered it

Long story short, it was raining, I hydroplaned off the road and rolled over a fallen mini tree. Although my car was still driveable, it was considered "totaled" so I paid for it out of pocket. I didn't want the rate increase :/

Edited for typo

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Groundskeeper Willy 2012/07/12 15:32:35

Yes, even though my insurance covered it

To avoid a rate increase. Absolutely.

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polkastria 2012/07/12 15:26:19

No, never

+2
I don't drive and we don't own a car.. My husband has a scooter to get to work and we walk or take the bus the rest of the time. Keeps our costs way down not having to worry about gas and insurance and all the little car care related things.

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