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The toll you pay before insurance remembers it's insurance.

means The amount you cover out of pocket before your insurance starts paying for a covered claim.

from From Latin deducere, to lead away or subtractliterally the chunk led away from your payout before the insurer chips in.

Trade-offHigher deductible usually means lower monthly premiums.
ResetsMost reset yearly, so January claims hurt most.
Per-incidentSome plans charge it every separate claim, not annually.
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