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      12-03-2012, 09:50 AM   #28
claykin
Lieutenant Colonel
United_States
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Drives: 2014 335i M-Sport
Join Date: Nov 2009
Location: Florida

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Quote:
Originally Posted by elgandashvili View Post
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.