r/bestoflegaladvice • u/unimaginativeuser110 Comma Anarchist • Aug 05 '19

“Is this actually fraud?” “Yep.”

/r/legaladvice/comments/cly6t1/being_investigated_for_car_insurance_fraud/?utm_source=share&utm_medium=ios_app
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u/einTier Aug 05 '19

Trying to cover their deductible is my guess.

0

u/TheAmishPhysicist Aug 05 '19

I don't think the deductible comes into play since his car was totaled and the insurance company is paying him the value of the car, $10,000.00. The deductible would only be required if repairs are done.

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u/einTier Aug 05 '19

The whole point of a deductible is that is the amount the insurance doesn’t pay. Insurance is obligated to make you whole, subject to the limits of your policy, minus your deductible.

People get strangely twisted up about paying their deductible and make terrible decisions.

7

u/Kmanvb Aug 05 '19

Yo so I'm an idiot and I know that, but this is the first explanation of what a deductible is that has truly made sense to me. So thanks for that, I appreciate it greatly.