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Sat Sep 30, 2017 7:04pm

One thing to keep in mind is that the deductible is per incident. (They do have a per year deductible now, but neither Sundog nor Barney qualified for it.) If the deductible is per incident, you will have to pay that first. Also, you have to pay the % reimbursement on the deductible portion too. So you need to figure all of that into your calculations.

For the $566 premium, you would have to spend $2500 + 30% ($2500). Getting to $3250 before they pay a penny and then getting 70% of the remaining costs. Plus you already paid the $566 premium on top of that. Of course, there are some incidents that will rack that up pretty darn quick and continue climbing.

It gets hard at this age to figure out if we should self insure or not. We paid the premium.

Just a note, your premium probably went up when you moved because they figure premiums by zip code. Ours actually went down a bit when we moved several years ago.

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