| insur. |
Безусловная франшиза (Example: An excess is the amount which is not covered by the insurance policy. This is commonly encountered in motor insurances where it is deducted from each and every claim for damage to the insured car (e.g. an insurance policy with a $50 excess means that the first $50 of any claim for damage to the insured car will be borne by the insured). (Перевод: Безусловная франшиза – это сумма, которая не покрывается страховым полисом. Такая франшиза обычно встречается в автостраховании, где она вычитается из всех без исключения претензий по повреждению застрахованного автомобиля (напр., страховой полис с франшизой 50 долларов США означает, что первые 50 долларов США любой претензии по повреждению застрахованного автомобиля несёт страхователь).; An excess can refer to one of two very different insurance terms. The first is the extra costs borne by the insured over and above the maximum coverage that the insurance company pays. This terminology is especially common in areas of insurance sensitive to loss (like liability insurance) and is addressed by the insurance market through excess line insurance companies through mechanisms like excess insurance, gap insurance, and umbrella insurance. The second is an insurance exception that is (often interchangeably but wrongly) referred to as an excess or a deductible. It is "the first amount of the claim which the insured has bear. 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.".[2] The main difference is as follows. An excess is an amount a policyholder must bear before the liability passes to the insurer (subject to the sum insured). A deductible is an amount withheld by the insurer from the claim amount paid to the policyholder. The effect of an excess or deductible are the same if the claim amount is fully covered, but differ when the claim amount exceeds that maximum insured value. WAD Пазенко Георгий) |
