NEW TO INSURANCE!!HELP

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excess means, "more", or "on top of". primary means, pay first. excess means, pay last.

larger businesses "self insure" first $250,000 of claim - health insurance or workers comp - saves them massive money on insurance. buy "excess" policy cover claim goes on $250,000 (or pick 6 figure deductible).

so, how define "better"? if can afford multiple $250,000 deductibles, excess better. if can't, primary better. or, can buy both - primary coverage excess amount.

if doesnt have insurance, better? primary or excess? why?


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