刚上了保险，但有个保险的问题不明白

[putong]

对于500 deduction没完全明白，如果我的责任，撞了别人的车，我修自己的车要先扣除这500， 但如果车祸是别人造成的，我修车也要扣除这500？这个deduction是怎么用的？
谢谢

 

[kitaro]

If it is not your fault, you do not pay anything.

 

[Teddy]

An example, if the damage is $1000, you have 40% fault. So, the 60% of the damage (=$600) will be covered by Direct Compensation Coverage; then, 40% of the damage (=$400) left for Comprehensive Coverage (A), which the "Deducatle" applies for.

The deductible (B) you are liable is that $500 (your maximum deductible) x 40% = $200. You need to pay the less of A and B. In this case, $200 < $400 -> you pay $200.

Is it complicated? Heee... Hope my understanding is correct!

 

[putong]

millions thanks for Teddy and kitaro.

 

[Python]

say if it is not ur fault. and you did not report to the company within 24 hours of the accident. you pay first 500$ of the reparing cost.
you can confirm this with your insurance company