Scenario: I pay X amount of dollars per month for car insurance. I have all 4 tires stolen from my vehicle overnight. I submit a claim with my insurance company to repair any damages. I now pay a **hefty** X amount of dollars for the event that has occurred.
The entire point of a deductible is that you assume some of the risk/cost for claims in exchange for lower premium rates. You can look for zero-deductible coverage if you want. It just comes with a much higher premium.
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