What to Do If You Didn't Buy the No-Deductible Full Coverage?

[VonAlyssa]

Contact your insurance company to inquire about the extent of their liability coverage. If you haven't purchased the no-deductible coverage, the portion of the deductible that should be borne by the policyholder will be covered by the insurance company within the liability limits.

[AnnieLee]

That time I didn't purchase the zero deductible insurance, and when an accident happened, I was fully at fault—what a hassle. After the accident, I contacted the insurance company, and they compensated according to the policy but deducted the deductible portion, leaving me to pay thousands out of pocket for the repairs. Thankfully, I stayed calm, took photos immediately, and reported to the police to document the scene, avoiding further disputes. Later, I chose an affordable repair shop and negotiated installment payments, saving some money. This experience taught me a lesson: always opt for the zero deductible option when buying insurance—it ensures full coverage during claims without extra costs. Also, drive carefully, slow and steady, to reduce accident risks. Though I suffered this time, I treated it as a lesson—prevention is better than regret. Remember, without this add-on, prioritize safety first before handling financial matters if an accident occurs.