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If the insured has an excess of $500 and the total repair costs $3,000, then the insured has to pay $500 while the insurer pays the remaining $2,500." 3 policy, a deductible will apply to claims arising from damage to or loss of the policy holder's own vehicle, whether this damage/loss is caused by theft . Depending on the policy, the deductible may differ based on the type of expense incurred that triggers the insurance claim. 3 coverages including auto liability, general liability, garagekeepers, inland marine, professional liability and workers compensation are also written with deductibles.
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