In an insurance policy, the deductible or excess is the portion of any claim that is not covered by the insurance provider. It is normally quoted as a fixed amount and is a part of most policies covering losses to the policy holder.
In a typical automobile insurance policy, a deductible will apply to claims arising from damage to or loss of the policy holder's own vehicle, whether this damage/loss is caused by accidents for which the holder is responsible, vandalism or theft. Third-party liability coverage generally has no deductible, since the third party will likely attempt to recover any loss, however small, for which the policy holder is liable.
Angle excess is the amount by which the sum of the angles of a polygon on a sphere exceeds the sum of the angles of a polygon with the same number of sides in a plane.
The angle excess of any polygon on a sphere is proportional to the polygon's area, with the proportionality constant being the reciprocal of the square of the sphere's radius.
The area of a polygon whose angle excess is 1 second of arc, which is the precision (though not necessarily the accuracy) of surveying, is 393 square kilometres, or about 20 kilometres square.
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