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  1. keannu's Avatar
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    raise our deductible

    Jim is talking about a ghost threatening many people, and he seems to be worried about being killed or something. Does "rais our deductible" relate to after-death insurance? What does it mean?

    Jim- This ghost wants to hurt Justin or the coach, I don't know. But what I do know is that he's mad as hell and he doesn't want me messing with him. And he wants to raise our deductible.

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    Re: raise our deductible

    It doesn't make a whole lot of sense. A "deductible" is how much money you have to pay on an insured event, with the insurance company paying the rest. Medical and auto insurance have deductibles. Life insurance doesn't.

    For example, with car insurance you can opt for different deductibles. A policy with a higher deductible costs less than one with a smaller deductible. If I have a $500 deductible and I am involved in an accident, I have to pay the first $500 of the repair bill to fix the car.

    If I have a $1000 deductible, I would have to pay the first $1000 after any incident. A $1000 deductible policy costs less per month than a $500. I am trading off a lesser known expense per month for the possibility of paying a higher deductible if an accident happens.

    What this has to do with ghosts I don't know. Maybe the dead guy was an insurance salesman.

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