11 Responses for "Is there anyway to avoid paying my 1000 dollar deductible on my Car Insurance?"

1. taylor swift February 4th, 2010 at 5:17 am 1

   Best Answer – Chosen by Voters If you go thru your insurance, no way out of it. If you go thru 3rd party insurance your deductible doesn't apply.

2. selena gomez February 4th, 2010 at 5:17 am 2

   Only if you find a repairer stupid enough to not collect your deductible.

3. miley cyrus February 4th, 2010 at 5:17 am 3

   haha .. let me get this straight.. YOU.. changed your deductible… KNOWING that is what you would have to pay if this happened.. and now YOU want to get out of it? Very responsible.Unless you can find a cheap ma and pa body shop who will take less than the insurance estimate and fix your car back to preloss condition. your screwed. And if a shop does take an amount less than your deductible it probably means they are a crappy shop who will do bad repairs anyways.I hope you learned a lesson about taking responsibility for your choices.

4. selena gomez February 4th, 2010 at 5:17 am 4

   "got some dents" It may not be worth making a claim if you just "got some dents" Your dents might cost less to repair than your 1000 deductible. If you make a claim and pay your deductible, you might end up paying more for car insurance. When you changed your deductible you were just thinking about saving money and not about the consequences.Get a free body work quote or estimate and re-think what you might do.If you were in a car accident and it was not your fault, you may pay your 1000 deductible and then go after the person at fault for $1000 using the court system.Bottom line, there is no moral way to avoid your negligence.

5. miley cyrus February 4th, 2010 at 5:17 am 5

   Find a place that will charge less than $1000 to fix it.

6. selena gomez February 4th, 2010 at 5:17 am 6

   Well, no. This is not necessarily legal but if you can get the body shop to work with you you might get them to pad their bill some but $1000.00 is alot of padding.

7. Vanessa Hudgens February 4th, 2010 at 5:17 am 7

   Must be some really big dents if they are over $1,000 to fix. No. When you changed things to a higher deductible to save money, you essentially said "I'll pay the first grand on anything"Do it.

8. justin bieber February 4th, 2010 at 5:17 am 8

   Sure. Find a body shop that will waive part of your deductible. It will probably be difficult to find one to waive your ENTIRE deductible unless the repair costs are in the five-figure range. There are a lot of body shops out there competing for business, and some of them will gladly eat a $500.00 deductible in order to get a juicy repair. Others will let customers pay off deductibles over time. There is absolutely nothing illegal about such arrangements. As far as the insurance goes, they are simply going to pay the cost of repair, minus $1,000.00. Source(s): Austin Paint & Body Collision Center – Garland, TX

9. Vanessa Hudgens February 4th, 2010 at 5:17 am 9

   Sure, don't have the repairs done. Or do them yourself – labor should be at least $1,000.If someone "hides" the deductible by increasing repair costs, that's called "burying the deductible", and it's illegal. So you're not going to have someone do that, if they want to stay in business. Source(s): agent, 21+ years

10. Vanessa Hudgens February 4th, 2010 at 5:17 am 10

    No, there isn't. You might try finding a cheaper car policy that you can have a lower deductible with. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ? after I did.Go to: http://www.insureme.com/landing.aspx?Ref…Take care,Casey

11. miley cyrus February 4th, 2010 at 5:17 am 11

    A $1000 deductible means that you pay the first $1000. So, if you wreck your car, and the repair costs are $1001, your insurance company only pays $1. You pay the $1000. If its less than that, your insurance company doesn't pay anything.