GOOD TO KNOW - Covering the deductible or discount?

GOOD TO KNOW - Covering the deductible or discount?

To do this, we need to take a closer look at the legal basis for the deductible in a comprehensive contract. This deductible is part of a consensually concluded contract between two partners. In short, both the insurance company and the insured were aware and agreed that a deductible would have to be paid in the event of damage.
The ABGB, which came into being in 1812, describes this in § 1288 with the words “The insurer is liable for accidental damage, and the insured person is liable for the promised price.”
But how is the amount of “accidental damage” defined? Quite simply, what comes out on the bottom line in the bill, i.e. the insured person (damaged person) would have to pay. Since the insurance company and the insured person have now agreed that the insured person has received less of the deductible from the insurance company, in the event of a direct settlement between the workshop and the insurance company, the deductible must be collected by the insured person. Smart workshops are now advertising that the deductible will be covered. This is nothing more than a discount. So the amount that is on the bottom line on the bill is reduced - less. This doesn't change anything for the insured person - they still have to pay the deductible from the discounted amount, since that's what they agreed with the insurance company. Only the workshop is disadvantaged because it has granted a discount called “takeover deductible” where it would not be necessary. If things get stupid, she can then argue about the actual deductible. Is that really customer-friendly?