Car insurance excess, often referred to as a deductible, is the amount you agree to pay out of pocket when making a claim on your car insurance policy. For example, if your claim totals $2,000 and your excess is $600, you will pay the $600, and your insurer will cover the remaining $1,400. This article delves into the intricacies of car insurance excess, its purpose, and how it can impact your insurance premiums.
Car insurance excess is a predetermined amount that the policyholder must pay when making a claim. The insurer covers any costs exceeding this amount. If your claim is less than the excess, you bear the full cost. For instance, with a $600 excess, a $500 claim would be entirely your responsibility.
Insurers include an excess clause in policies for several reasons:
Opting for a higher excess can significantly reduce your insurance premiums. This is because you are agreeing to shoulder more of the financial burden in the event of a claim. However, it's crucial to understand how different insurers apply excess amounts under various conditions. Always consult your insurer to find the best way to lower your premiums by adjusting your excess.
Understanding car insurance excess is crucial for making informed decisions about your policy. By knowing how excess works and its impact on your premiums, you can tailor your insurance to better suit your needs and budget. Always discuss with your insurer to ensure you are getting the best possible deal.
For more detailed information on car insurance and how to choose the right policy, visit Consumer Reports and Insurance Information Institute.
This article provides a comprehensive overview of car insurance excess, explaining its purpose and how it can affect your premiums. By understanding these details, you can make more informed decisions about your car insurance policy.
Knowing and Taking Care of Fish Oil Overdose
Although fish oil benefits are many, but we need to watch out for overdose and take only recommended amounts of fish oil as advised by family physician. Fish oil overdose can cause some minor irritation and problems (eg. Diarrhoea, Flatoulence, Fishy aftertaste in the mouth) to the individual though it is rare and the effects are not quite severe.
How Can Fish Oil Lower Cholesterol?
Health agencies acknowledge that fish oil lower cholesterol to acceptable levels . Fish oil is closely related to good cholesterol. Fish oil lowers the cholesterol level in the body specifically the elevated triglyceride levels that are very harmful to anyone’s health condition. Having ample amounts of fish oil in your diet can also reduce the levels of triglyceride in your bloodstream, thus further settling the delicate balance between the levels of HDL and LDL in your body to reduce the risk of cardiovascular complications.
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