Bird_Brain4101112 t1_j41ph66 wrote on January 12, 2023 at 3:56 PM

Even if your rates go up say $100 a month (unlikely) it would take 4ish years to break even on paying it fully out of pocket.

AdAntique5099 t1_j42es1l wrote on January 12, 2023 at 6:33 PM

Our insurance broker advised it could go up a lot more than $100/mo. So, I called Progressive and after 45min and being transferred 5 times (not joking) I still don't have a definitive answer.

They told me it will be up to the adjuster that comes out and determines if it appears he swerved to hit the deer or not. If he appears he swerved then it's hit fault (really?). Nobody could answer the question "If you hit a deer in PA, will the policy go up upon renewal". Their answer "It COULD go up"..

OK, you are the insurance company, who makes that call? "You need to speak with underwriting", transfer-- 5th person at this point tells me about the swerve or not thing and then tells me it will be up to the claims dept (that I started with).

They said it will depend at time of renewal what all has happened if the rate will increase or not such as speeding or other accidents. I said assuming NO other incidents, just the deer, would it go up? "It could go up".. at this point in the call they had worn me out completely and will just file it and see what happens.

You would think we were trying to launch the space shuttle when asking this question to Progressive. When I had Erie Insurance they were far more coorperative and concise.

Bird_Brain4101112 t1_j42mqpm wrote on January 12, 2023 at 7:21 PM

I used $100 as an example. Overall I’m just saying isn’t this why you pay for insurance? (Aside from it being legally required).

AdAntique5099 t1_j4394gc wrote on January 12, 2023 at 9:36 PM

It is, however-- if financially it makes more sense to pay a one-time out of pocket vs. several years of a higher rate is what I'm trying to understand. My current plan is to submit, and if the rate goes up-- I will then shop for a new insurance provider. See what happens.

Bird_Brain4101112 t1_j43f3g6 wrote on January 12, 2023 at 10:12 PM

I had an at fault accident and my rates went up like $50/mo for about two years than dropped back down. Plus I got rental coverage for the entire 40 ish days my car was in the shop. No way paying out of pocket wild have saved me money, even in the long run. This is a single anecdote but just putting it out there.