Is It Ever Worth It to Pay Out of Pocket Instead of Going Through Insurance?

Yes, sometimes it is in your best financial interest to pay a claim out of pocket, especially when the collision is minor and you aren't anywhere near meeting your deductible. Insurance companies will only cover costs once you exceed your deductible, so it can be worth it to pay out of pocket instead of going through insurance. Then only time you shouldn't pay out of pocket is when other drivers and vehicles are involved in the accident.

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UPDATED: Jun 6, 2022

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