A car covered by a personal auto policy with collision coverage is damaged when it crashes into a telephone pole. If the policy has a $5,000 deductible, how much does the insured receive in reimbursement from the insurer?

In this scenario, the insured has a personal auto policy with collision coverage. When the car crashes into a telephone pole, the collision coverage will apply to the damage incurred from that incident. The reimbursement amount from the insurer is determined by taking the total cost of repairs and subtracting the deductible amount that applies to the policy.

In this instance, if the total cost of repairs equals $16,000 and there is a deductible of $5,000, you subtract the deductible from the total repair costs.

So, the calculation would be:

Total repair costs ($16,000) - Deductible ($5,000) = Amount reimbursed ($11,000).

Therefore, the insured receives back the net amount of $11,000 after the deductible is deducted from the total repair cost. This aligns with the details provided in the scenario and ensures that the insured is responsible for the deductible amount when filing a claim.