deductible

My deductible is $500, so I'll pay that amount before insurance covers the rest.我的免赔额是500美元，所以我需要先支付这笔金额，剩下的由保险公司承担。

Choosing a higher deductible lowers your monthly premium but costs more after an accident.选择较高的免赔额可以降低你的月保费，但在发生事故后需要支付更多的费用。