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Known as excess in the United Kingdom, deductible is known as a bother here in the United States. The amount of money you pay out of pocket before your insurance pays anything is what deductible is. First introduced in 1952 to the insurance [link widoczny dla zalogowanych] world by Norman Baglini, old Norman isn't too popular to the general public, I would imagine. To the insurance world, this was a guy [link widoczny dla zalogowanych] who had a really good idea and could save these [link widoczny dla zalogowanych] insurance [link widoczny dla zalogowanych] companies some bucks. The higher the amount of the deductible, the lower the premium on your insurance.
For most insurance companies, when you put in a claim for damage or loss from an accident or a theft, whatever you decided was your deductible when you purchased your policy will apply.
There are other types of insurance where a deductible would come into play besides automobile insurance. Your homeowner's insurance will also have a deductible. This is a little more vague in homeowner policies, for instance, a lightning strike is considered "an Act of God" and will not be covered at all on your homeowner policy. [link widoczny dla zalogowanych] This is a real bummer, but true. You also will have a [link widoczny dla zalogowanych] deductible on your health insurance and this can be really pricey. With heath care insurance costs going up considerably [link widoczny dla zalogowanych] each year, this deductible can be really high.
Let us just consider the deductible on an automobile policy. If you have a [link widoczny dla zalogowanych] $500 deductible and you have an [link widoczny dla zalogowanych] accident. The cost to repair your car is, say $2,500 (which is not out of the question, considering costs today) [link widoczny dla zalogowanych] you would pay your $500 deductible and the insurance company would pay the balance of $2,000. [link widoczny dla zalogowanych] You definitely got the better end of the deal with that one even considering that you pay a premium each month.
This would only apply if this is the rule of your insurance company. Some policies don't cover everything [link widoczny dla zalogowanych] and this is something you will need to look into. If you are purchasing insurance for your vehicle, be sure to read it all, you will need to be aware of any contingencies that might not be covered.
Some expenses will be [link widoczny dla zalogowanych] out of pocket anyway. Say you are driving down the highway and a truck throws out a rock that lands on your windshield and dings it good. You will most likely have to replace your windshield. This cost will be under your deductible and totally out of your pocket. These are just facts of life. I have heard of [link widoczny dla zalogowanych] insurance companies that cover windshields, but mine sure doesn't, I have had to replace several.
It is just [url=http://www.tstzlc.com/home.php?mod=space&uid=32032][/url] important to know what you are buying and your insurance agent may not explain each and every thing to you, thinking that you are an informed buyer. This is important to be, an informed buyer. Know exactly what you are buying before you buy it, it will save you heartburn and save you money in the long run if you just read the fine print.