Question about Insurance deductables.

[vanilla_girl]

What is the name of your state? MI
ok, this might sound like a stupid question, but here goes
I got in an accident in December. It caused about $850 in damages to my car, but my deductible is $1000. I have yet to get it fixed since I want to wait until winter is over (just my luck, if I get it fixed, next day someone will slide into me), so I'll get it fixed in March or April. I also have some damage to the back of my car that I want to get fixed also. (unrelated to accident, but will understandably raise the price to over $1000). But I also want to change my deductible to $500. Do I have to wait until after I get my car fixed to change the deductible? If I change it now, when I get it fixed, will I pay $500 or $1000? Is this illegal?
Thanks,

 

[Lynx 36]

What is the name of your state? MI
ok, this might sound like a stupid question, but here goes
I got in an accident in December. It caused about $850 in damages to my car, but my deductible is $1000. I have yet to get it fixed since I want to wait until winter is over (just my luck, if I get it fixed, next day someone will slide into me), so I'll get it fixed in March or April. I also have some damage to the back of my car that I want to get fixed also. (unrelated to accident, but will understandably raise the price to over $1000). But I also want to change my deductible to $500. Do I have to wait until after I get my car fixed to change the deductible? If I change it now, when I get it fixed, will I pay $500 or $1000? Is this illegal?
Thanks,

You can change your deductable anytime you want but whatever your policy says at the time of the accident is what your deductable will be. If you change it to $500 now your $1,000 deductable will still apply as this is the coverage you had on the accident date. Also, your unrelated damage can't be added on to the damage you have on the current accident. You would have to file another claim f/ this as this damage involved a different incident.