It seems like a rotten thing, the deductible, but it’s a way for insurance companies and subscribers to get around a super duper high premium. It’s just a matter of shifting costs and amounts around so that the upfront outlay is a lot more, digestible, so to speak. Otherwise, you’ll be really limited in the way of diversity in the plans. If deductibles didn’t exist, you’d be very, very limited, down to just a few sorts of Pennsylvania auto insurance coverage plans. But with the concept of the deductible, what you have is a way to create all sorts of arrangements. And that’s a definitive good thing for consumers and drivers. The fact of the matter is though that not a lot of people see it this way; people see it as, “I’m in an accident, my life’s ruined, and on top of all this, I’ve got to pay a deductible before my issuance starts to cover costs?”