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Rest assured, it'll never happen again. They've graced you once.

Lol......sorry to hear your woes. Your theoretical story is correct though. Someone could in theory, vandalize your car in your driveway multiple times and if choose to file claims every time to get it repaired you pay the deductible. Its been a long while since I myself have made a claim and...

So you pissed someone off and they crashed into you?

They will cover the costs on my car less the 500 deductible. I don't understand how you'd be exacting revenge, when you car will need repairs too, and you'll be paying for whatever your deductible costs are to repair yours.

For auto, I carry a 500 deductible figuring I can afford a little bit more of a monthly premium, whereas if I suffered a loss or claim, I dont want to pull a thousand bucks out of my ass. Which essentially is what you have to do.

Yes you pay. If they agree to pay you 1500. bucks for the repairs. They will issue you a 500. dollar check. No matter who is at fault. You can choose a lower deductible, but your premiums will go up to reflect the difference. Its very similar to payroll taxes. You can now or pay later. Either...