AFTER my hit-and-run, I learned that the 6-month deductible change from $1000/incident to $200/incident on my policy was a mere 13 dollars! Would have "saved" 800 dollars. I ended up not using insurance because paying 1000 for them to pay 400 is dumb, but paying 200 for them to pay 1200... I could have used that 1200 (was near Xmas)
Check your policies people. Now that winter is approaching, shit starts getting real lol.