Hello

We hope this message finds you well. At Page Insurance Ltd our goal is to help you make the most informed decisions about your coverage. Today, we want to discuss why filing small insurance claims may not be in your best interest and why we recommend maintaining at least a $2,500 deductible—or higher.

1. Impact on Premiums Filing frequent small claims can lead to higher premiums. Insurance companies may view multiple small claims as a sign of higher risk, resulting in increased costs for your policy over time. By choosing to handle minor expenses out of pocket, you can keep your premiums more affordable.

2. Maintaining Claims-Free Discounts Many insurance companies offer discounts for being claims-free over a certain period. By avoiding small claims, you can maintain these valuable discounts and enjoy greater savings on your policy.

3. Cost-Benefit Analysis Consider the math: if your deductible is $500 and you file a claim for a $1,000 repair, the insurance payout is only $500. However, the long-term cost of increased premiums might exceed this benefit. With a $2,500 deductible or higher, you're more likely to reserve claims for significant events, ensuring better financial protection when you truly need it.

4. Encouraging Preventative Measures Higher deductibles can incentivize homeowners and drivers to take preventative measures to avoid small incidents. This proactive approach not only reduces the likelihood of needing to file a claim but also promotes a safer and more secure environment for you and your family.

5. Simplified Claims Process Reserving claims for more significant events can simplify the claims process. Instead of dealing with multiple small claims, you'll have a streamlined experience when you need to file a claim for a major event, ensuring faster resolution and less hassle.

We understand that insurance decisions can be complex, and we're here to help you navigate them. If you have any questions about your deductible or need advice on your coverage, please don't hesitate to contact us at [Your Contact Information].

Thank you for choosing Page Insurance, Ltd for your insurance needs.

Best regards,