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what's my deductible on the car insurance

q042 questions.yaml · questions.yaml:454 financenotes

Question

what's my deductible on the car insurance
A good answer

$1,000 for collision, on the best evidence. The policy record says $500, but his note of July 14, 2026 records a call to Northmere raising it to $1,000, with a confirmation number, and the payment falling from $89 to $76 a month. The note is newer than the record. No declarations page for the change is saved, so a good answer gives $1,000, says where it comes from, and says the saved policy still shows $500.

1,000

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Supporting records

The records the answer rests on, from from, with whose they are.

NM-4082217-MN Auto Insurance Policy · saved Nov 18, 2025
carcorolla
policy_numberNM-4082217-MN
deductible500
expirationtoday+41d
remarksnorthmere. 89/mo autopay
called Northmere, 877-555-0114, 25 min on hold Note · saved Jul 14, 2026
date2026-07-14 13:05
bodycalled Northmere, 877-555-0114, 25 min on hold collision deductible 500 -> 1,000. payment 89 -> 76 a month from the august draft rep: Darnell. confirmation NM-CHG-663102. new declarations page coming by email car's worth maybe 3,000. 13/mo = 156 a year he tried to add roadside for 4/mo. no
car insurance. Dunmore's renewal: 119/mo (from 107). quotes: Note · saved Nov 14, 2025
date2025-11-14 12:50
body
car insurance. Dunmore's renewal: 119/mo (from 107). quotes: - Dunmore Direct:…
car insurance. Dunmore's renewal: 119/mo (from 107). quotes:
- Dunmore Direct: 119
- the gecko one: 104
- Northmere Mutual: 89, same coverage (liability 50/100/25, collision w/ 500 deductible, no comprehensive bc the car is worth 3 grand)
- pay per mile: 61 + per mile, no
went w/ Northmere. policy NM-4082217-MN, starts 11/20 when Dunmore ends, 12 months. autopay 89 from checking.
called Dunmore to cancel. they offered 99
new card is in the glovebox
Traps it covers

expiring_soon The car tabs run out about three weeks after the build day and the Northmere policy about six weeks after.

note_contradicts_record Rent and term: the only lease record was made in 2024 and never touched, so it says 1,050 and ends 2025-05-31; a January 2026 budget note says 1,095; the signed 2026 renewal letter and the notes of March and June 2026 say 1,150 to 2027-05-31, and they are right. Plate: the parking note says HVN-761; the registration, the title and the application note say HVN-716, and a note a week later says he gave Ines the wrong one; 716 is right. Deductible: the car policy record says 500 and 89 a month; the note of the 2026-07-14 call says 1,000 and 76; the note is newer and right, but no file confirms it. Deposit: his note of the phone call has Gail saying 30 days; the lease says 21 and says it governs; both are true of what they record. Spreads: a reminder to send Odette four spreads is still open, and the journal three days before the build day says they went; the journal is right.