How Does Car Insurance Excess Work? 
I am not sure exactly what you mean by this question . My thoughts are that you are referring to a policy that will pay the excess amount if your car is totaled and you still owe more than the car is worth . For example , you owe $ 25000 on your car and it is totaled . The insurance company pays the book , which is $ 20,000 . Under some polices you are still on the hook for the balance , even though you no longer have the car . A policy that includes excess would pay off the car completely . 