What does we absorbed your deductible mean

by Guest » Sat Nov 03, 2012 06:53 pm
Guest

What does that mean..we filed a claim due to burglary of our home.

Total Comments: 8

Posted: Sun Nov 04, 2012 12:01 am Post Subject:

It has to do with the way the policy states the deductible is applied and the policy limits. The policy states that the total amount of the loss is determined, the deductible applied and _then_ any limits are considered. It appears that you loss was much higher than the limits so your deductible is "absorbed". For example, lets say you have a theft limit of $5000 and a $1000 deductible. If your loss is $7000 the calculation goes like this...

$7000
-$1000
---------------
$6000 but your policy limit is $5000 so $5000 is paid. Your deductible did could have been $100... it could have been $500... it did not matter as the policy limits applied.

Posted: Sun Nov 04, 2012 03:19 am Post Subject:

Ok so does that mean they deducted the deductible amount fromthe check they sent us?

Posted: Sun Nov 04, 2012 06:55 am Post Subject:

Well, you really don't give any info about your loss so there is no good way to know.

As I mentioned, you take the total amount of your loss, subtract the deductible and then apply the policy limits. That is what you will be paid.

Posted: Sun Nov 04, 2012 03:31 pm Post Subject:

Ok so does that mean they deducted the deductible amount fromthe check they sent us?

Posted: Sun Nov 04, 2012 04:49 pm Post Subject:

:shock:

I give up.....

Posted: Sun Nov 04, 2012 11:26 pm Post Subject:

Sorry I didn't know it posted the same thing again....thanks for your reply.

Posted: Sun Nov 04, 2012 11:53 pm Post Subject:

Sorry, I didn't know it posted my reply twice. Thank you for your help.

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