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Deductible

Deductible

What Is a Deductible in Personal Injury and Insurance Law?

A deductible is the amount of money a policyholder must pay out of pocket before their insurance coverage begins to pay for a claim. In personal injury cases, deductibles commonly apply to auto insurance policies, including collision, comprehensive, and medical payments coverage. The deductible amount is agreed upon when the policy is purchased and directly affects the cost of the insurance premium.

How Deductibles Work

Types of Insurance Deductibles Relevant to Personal Injury Cases

Factors to Consider with Deductibles

Why Are Deductibles Significant in Personal Injury Cases?

Deductibles are important because they directly affect the financial burden placed on the policyholder after an accident. In personal injury claims, understanding how deductibles work can help ensure:

Deductibles and Fault in Accidents

Legal Support for Deductible Disputes

Disputes involving deductibles, such as improper claims handling or reimbursement issues, may arise. An experienced attorney can help clarify policy terms, negotiate with insurers, and ensure the policyholder’s rights are protected. Understanding your deductible can help you better navigate the claims process and minimize financial stress after an accident.

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