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A straight is a that applies to each separate loss, and is the type of in most personal lines of . For instance, if, during the course of a year, you are involved in 2 separate auto accidents, then the will be subtracted for each accident.

An “ ” is the amount of money you must pay for an claim , prior to an company paying out any money for your loss or incurred expenses.

The is the amount of money you will pay in an claim before the coverage starts paying you. It is your portion of the financial responsibility and forms part of your contract.

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