# Thanks for the advice

**URL:** <https://community.cartalk.com/t/thanks-for-the-advice/140834>\
**Category:** General Discussion\
**Created:** [May 22, 2019, 5:04pm UTC](https://community.cartalk.com/t/thanks-for-the-advice/140834 "2019-05-22T17:04:51Z")\
**Posts on this page:** 2\
**Page:** 1

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**Author:** ![ng8111\_150582](https://avatars.discourse-cdn.com/v4/letter/n/e19b73/32.png) [@ng8111\_150582](https://community.cartalk.com/u/ng8111_150582)\
**Post date:** [May 22, 2019, 5:04pm UTC](https://community.cartalk.com/t/thanks-for-the-advice/140834/1 "2019-05-22T17:04:51Z")

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Personally, I’d prefer to not file a claim unless I’ve had at least $2,100 above the deductible.

We had a friend that had a lapse of insurance coverage and than had a claim and then she was dropped (not renewed). She went to an insurance agent; she could only find really expensive insurance.

I do apologize for saying it was foolish to file a claim.

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**Author:** ![Triedaq](https://avatars.discourse-cdn.com/v4/letter/t/65b543/32.png) [@Triedaq](https://community.cartalk.com/u/Triedaq)\
**Post date:** [May 23, 2019, 2:24am UTC](https://community.cartalk.com/t/thanks-for-the-advice/140834/2 "2019-05-23T02:24:44Z")

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There is an expense the insurance company incurs when processing a claim. That is part of the reason for the deductible. I have comprehensive with no deductible and collision with $1000 deductible. Many years ago, some vandals snapped off my radio antenna. Rather than turn in a claim on my comprehensive, I bought a new antenna which was less than $10. I installed it in 15 minutes. Had I taken the car to a shop for a new antenna, I would have been out an hour of my time and the insurance out about $25. I saved time and didn’t have a claim on my record.