General Discussion

Major Nikon

(36,925 posts)

23. You may want to check with your agent regarding lowering it to zero

Sun May 19, 2013, 01:31 PM

May 2013

I have a zero deductible on my comprehensive coverage, which costs very little compared to a $500 deductible. Comprehensive claims do not cause your premiums to increase, so there's no real benefit to bypassing smaller claims and fixing it out of your own pocket. I'd rather have a high deductible on collision and a lower one, or zero on comprehensive, but it all depends on your situation.

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Shooting in my neighborhood, at MY CAR [View all] BainsBane May 2013 OP

So you didnt realize until today? darkangel218 May 2013 #1

No BainsBane May 2013 #4

Most cops are useless. darkangel218 May 2013 #9

Yes, still waiting BainsBane May 2013 #14

Not sure what you're waiting for. It probably isn't police business to look at your car. randome May 2013 #36

1) I need a police report number for insurance BainsBane May 2013 #39

Jesus! Thank heavens you weren't in it! Cooley Hurd May 2013 #2

Thank you nt BainsBane May 2013 #5

I had bullets flying by my work car a month ago darkangel218 May 2013 #6

Cops would've probably said you deserved it so they didn't have to write a report... Cooley Hurd May 2013 #8

exactly. theyre lazy bastards. darkangel218 May 2013 #11

It took them an hour to arrive BainsBane May 2013 #40

Pics pics pics. How do you get those fixed? NightWatcher May 2013 #3

I have full insurance BainsBane May 2013 #7

The main thing is that your OK. premium May 2013 #12

Yes, and that no one else was hurt BainsBane May 2013 #34

my POS truck would look better with a few comestic bullet holes. NightWatcher May 2013 #25

$500, but right now BainsBane May 2013 #33

It should be covered by insurance provided you have comprehensive coverage Major Nikon May 2013 #10

I have comprehensive $500 deductible BainsBane May 2013 #15

You may want to check with your agent regarding lowering it to zero Major Nikon May 2013 #23

really? I didn't realize comprehensive claims BainsBane May 2013 #35

It's a great idea to speak with your agent from time to time Major Nikon May 2013 #43

The claims agent comes out on Tuesday BainsBane May 2013 #50

Thank goodness nobodies 'gun rights' were infringed, though. Imagine the horror if that happened! Electric Monk May 2013 #13

No comprehensive background checks BainsBane May 2013 #16

Like the criminals would get guns legally.. darkangel218 May 2013 #24

If we applied Gun Lobby Logic™ to other issues.... Electric Monk May 2013 #26

marijuana Niceguy1 May 2013 #27

Ironically, one of those kills tens of thousands each year while the other doesn't. Electric Monk May 2013 #32

I think the point was, just because something is illegal doesnt mean its unobtainable darkangel218 May 2013 #53

It would still be harder for them to get them treestar May 2013 #55

no it wont. darkangel218 May 2013 #63

Look at the statistics in Australia treestar May 2013 #64

Why have any laws then? Lex May 2013 #65

That's creepy LeftInTX May 2013 #17

First, I'm glad you are okay. bluedigger May 2013 #18

bullet holes have no cache in my world BainsBane May 2013 #37

A cowardly act by the villainous British, no doubt. Nimajneb Nilknarf May 2013 #19

Did you leave your buggy outside? darkangel218 May 2013 #22

Usually people say things like "Go fly a kite in a thunderstorm, you crazy old coot!" to me. Nimajneb Nilknarf May 2013 #28

That's terrible ismnotwasm May 2013 #20

They were shooting at a guy BainsBane May 2013 #30

I am so sorry to hear this! Please stay safe BainsBane! hrmjustin May 2013 #21

Thank you nt BainsBane May 2013 #29

OMG! Rosa Luxemburg May 2013 #31

Thank you, and it appears no one else was hurt BainsBane May 2013 #38

Truly glad no one was physically hurt etherealtruth May 2013 #41

Me too BainsBane May 2013 #42

Are you sure this actually happened? Uzair May 2013 #44

Who here has said that this kind of thing doesn't happen? premium May 2013 #51

When I lived in Miami, RebelOne May 2013 #45

Minneapolis is not far behind Miami BainsBane May 2013 #49

I do not live in Miami any more. I now live in North Georgia just northwest of Atlanta. RebelOne May 2013 #60

is the car drive-able? Liberal_in_LA May 2013 #46

It should be BainsBane May 2013 #47

Things to check out other than the paint................ wandy May 2013 #61

Thanks for the advice BainsBane May 2013 #62

Crime Lab unit is here now BainsBane May 2013 #48

Crime lab dug bullets out of another car BainsBane May 2013 #52

next time the next republican dirtbag comes to town, present them with a bill dembotoz May 2013 #54

I'll send it to Michelle Bachmann BainsBane May 2013 #59

I'm so glad you were not in the car, and that you are safe! Squinch May 2013 #56

Thanks, Squinch. BainsBane May 2013 #58

I Was Out Last Night - Rare otohara May 2013 #57

I would be more afraid of the... Bay Boy May 2013 #77

ugh, that's awful, glad you're ok PeaceNikki May 2013 #66

Did the gun do that all by itself? Skip Intro May 2013 #67

Did the person make bullet holes without the gun? nt Lex May 2013 #68

As nonsensical as saying "fuck guns." Skip Intro May 2013 #69

Cars serve more purpose than just killing and maiming. Lex May 2013 #70

That justifies the deaths. Skip Intro May 2013 #72

You justify gun deaths then. Lex May 2013 #73

Some are justified by self-defense. Skip Intro May 2013 #74

Ah I see. That old logic fail. Lex May 2013 #75

Yes. Guns commit crimes - not a logic fail. Skip Intro May 2013 #76

Yes. And let me know when your can-opener can be used to fire bullets into children. Lex May 2013 #87

{ * crickets * } Electric Monk May 2013 #89

I tell you what BainsBane May 2013 #79

Would it be too much BainsBane May 2013 #78

Glib sociopaths apparently just can't help themselves. And yet, we still allow them to own guns. nt Electric Monk May 2013 #80

Evidently so BainsBane May 2013 #83

Thanks so much for your concern BainsBane May 2013 #84

you then become just as stridently irrelevant with the staffs at the E.R... LanternWaste May 2013 #86

I'm glad you are safe. nt raccoon May 2013 #71

Call the cops now!! Initech May 2013 #81

already come and gone. BainsBane May 2013 #82

Oh yuck, that's awful. LiberalEsto May 2013 #85

like a city fund? BainsBane May 2013 #88