Sentimental Sally had a long day at work today and was driving back home at night and accidentally ran over a baby deer (yes, in a city). Her car was severely damaged and now she is crying
Noooo, I killed Bambi and my car is ruined!!
Luckily she knows exactly who to call. Her insurance company.
Let me guess, you need to file a claim?
A few hours later...Sally is still crying, but luckily soon she will remember that she has comprehensive insurance which covers deer accidents!
I don't have enough money to payyy!!!
Ma'am calm down, i'm trying to tell you, you have comprehensive insurance!!
Sally is stil crying even after realizing that she has comprehensive insurance, because she has always been paying really low premiums whcih means that insurance will only pay a little bit and she will have to pay the rest.
"Pay Out of pocket"?!! I barely have anything IN my pocket!!
After Sally paid a really high deductible, Insurance stepped in and paid the rest of the money that was needed to pay all the damages that were done to her car.