Last month, I had a minor fender bender—totally my fault, unfortunately. When I called my insurance, they mentioned something about waiving my deductible since it was my first accident in years. Um, I didn't even know that was a thing. Has this happened to anyone else?
- Had something similar happen a couple years back—small scrape, totally my fault too.
- Insurance rep casually mentioned waiving the deductible since I'd been accident-free for ages. I was like...wait, seriously?
- Makes me wonder if it's some hidden perk they don't advertise much. Maybe to keep us from getting complacent?
- Also curious if this varies by company or state regulations. Anyone know if it's standard practice or just certain insurers being generous?
"Makes me wonder if it's some hidden perk they don't advertise much. Maybe to keep us from getting complacent?"
Could be onto something there... I've had a similar experience once, but honestly, I always assumed it was just a discretionary thing rather than standard practice. Maybe insurers have some wiggle room to reward loyalty or good driving history? I'd be cautious about expecting it regularly, though—insurance companies aren't exactly known for their generosity, lol. Still, nice when it happens.
I've seen something similar happen after a big storm rolled through our area. A neighbor had their deductible waived, but it seemed more like a goodwill gesture because the insurer was overwhelmed with claims and delays. Makes me wonder if it's more about managing customer satisfaction during busy times rather than rewarding loyalty or good driving. Has anyone noticed if these waivers happen more often after widespread events, like storms or floods, rather than isolated incidents?
