No. of Recommendations: 3

You wrote, Yep. I actually called at 6:45 this morning (before leaving the house) and changed the deductible to $500. Then after the accident, I found out that it technically doesn't go into effect until 12:01am, so it's still $1000. But it's looking very much like i won't have to pay one.

Maybe you should call back and ask them to cancel that change for now? (Lowering the deductible back to $500.) What's the point of paying the higher premium if you don't have that car to drive? You'll have to specify new dedictibles once you've replaced the car anyway, so increasing the deductible on a car that's probably already totalled doesn't make a lot of sense.

Also, Oh yea, and I've been informed that there's a VERY good chance that it's totaled, in which case my GAP protection will cover any deductible I have to pay as well as the remainder of the loan.


Ok, I admit it! GAP insurance is probably a good deal for people that get into a lot of accidents. ;-)

- Joel
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