Okay so we have this stinking huge crack in the front window of our car. We call the insurance company and we have to pay a $200 deductible to have it fixed. Was this crack in any shape way or form my fault? Then last week someone takes a crowbar and tries to break in to the side door. Someone scares them and all they leave is a huge basketball sized dent and a lot of chipped paint. So we call the insurance company, yes that will be a $300 deductible. Oh yeah thats right I ddid that damage and I was the one who if I had of got in and busted the ignition would not have to pay the deductible, boy am I tempted! Then I am driving the other day and I got hit by someone. I will admit it was partly my fault I made a stupid mistake but because I was entering her lane the insurance company calls me at fault. So thats right you guessed it another $300 deductible. Oh I love my car right now. I wish it was an old junker so I could just leave it and it wouldn't matter. Its only money right? I don't however feel very protected.