Originally Posted by elgandashvili
I do have comprehensive, but perhaps as most in NY ,I have $1000 deductible. Even if I didn't, the premium increases so much, even in a scenario like mine, that it really isn't worse it. Even NYPD told me not to do that. Unless there is a serious accident, insurance is kinda like an official scam
Some states do not permit insurance companies to count comprehensive claims in your claim history. Check with your Agent.