Excess is provided for in all comprehensive insurance to make the vehicle owner conscious to try and prevent accidents or losses by making the insured bear part of the claims arising from such incidents, accidents, or mishaps.
The owner or the insured either pays for the excess cover ahead, at the time of doing the insurance, or each time there is a claim. So he or she may decline to pay for the excess, but he or she will be paid any claim less the amount of the excess.
Cornerstone Insurance pays 100% of all claims arising from any mishap!
I advise paying for excess.
