Quote:
Originally Posted by Blue_SV650S
Oh and I had a similar decision the other day when someone pulled out on me when I was on my bike … I could have claimed and really embellished what damage was done, but I didn’t …
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And seemed to be a bit regretful afterwards if I remember the thread correctly given the potential damage to the bike?
Gordon, tough one. Damned if you do, damned if you don't I'm afraid.
1. Take the money - you add to the list of unnecessary (perhaps) claims, inflate insurance costs, contribute to the vicious cycle.
2. Take the high ground - you are more satisfied but 'out of pocket', your decision will not change the general proliferation of claims so you are only hurting yourself, you do not 'reclaim' the cash you've had to lay out on your own higher premiums, the cycle goes on regardless.
That's just my cynical view on things mate, but I don't blame you for thinking of claiming, nor do I blame you for feeling a bit dirty for wanting to do it and second guessing.
One option would be to claim, get the money, and if you feel really uncomfortable at that point, give it to a charity instead. Not that everyone has the financial luxury to do that of course but I'm just saying.