Minnie Driver knows her relationship with Josh Brolin was never meant to be.

The “Good Will Hunting” actress, 54, said in an interview published this weekend that she’s glad she didn’t end up marrying her ex-fiancé.

“The one time I was engaged, it would have been, I think, the biggest mistake of my life,” she told The Sunday Times.

Driver and Brolin, 56, fell in love on the set of the 2000 film “Slow Burn.”

They were engaged for 6 months before announcing their breakup in October 2001.

“Minnie Driver and Josh Brolin have decided to cancel their wedding plans. Their decision is mutual and amicable,” a statement from Driver’s publicist read.

In her interview with The Sunday Times, Driver said her parents never married due to her dad’s infidelities, which affected her own romantic relationships.

“If I look at my history, what it did was make me want to be married so much and then choose men who were so not the right men to be married to,” she said.

“So I would carry on longing to be married and to have that conservative version [of a relationship], find men who had no interest in that, and then if one did, run a mile.”

Driver has been in a relationship with writer and director Addison O’Dea since 2019.

“Now I’m with someone who doesn’t want to get married but who is the most devoted, loving, extraordinary…. Everything I could have wanted in my childhood idea of a husband, he actually is,” she said.

Before her relationship with Brolin, the “Ella Enchanted” star dated Matt Damon after they met on the set of “Good Will Hunting” in the 1990s.

Their romance ended just shortly before the 1998 Academy Awards, and Damon, 53, brought his new girlfriend to the ceremony.

Damon famously announced his breakup with Driver on “The Oprah Winfrey Show” that year.

“I was with Minnie for a while, but we’re not really romantically involved anymore. We’re just really good friends, and I love her dearly … I care about her a lot,” he said. “We care about each other a lot. It wasn’t meant to be, you know? And if it’s not meant to be, then it’s not meant to be.”

In 2022, Driver reflected on the split in an interview with Entertainment Tonight and said the ordeal caused “agony” in her life.

“It’s so tricky, because it’s not deliberate, he couldn’t have helped how famous he became and how his life was being picked over, in the same way that mine was,” she said.

Both of Driver’s famous exes moved on from their respective splits.

Damon married Luciana Barroso in 2005 and the couple share three daughters.

Brolin married Diane Lane in 2004, but they got divorced in 2013. He’s been married to Kathryn Boyd since 2016, and they have to two children together.

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Source: CNN

Understanding Deductibles in Insurance

What is a Deductible?

A deductible is the amount of money a policyholder must pay out-of-pocket before an insurance company begins to cover the remaining costs. Deductibles are a fundamental component of most insurance policies, including health, auto, home, and business insurance.

How Do Deductibles Work?

When you file a claim, you are responsible for paying the deductible amount. Only after this amount is paid will the insurance company pay for the covered expenses exceeding the deductible. For example, if you have a $1,000 deductible on your car insurance and incur $3,000 in damages from an accident, you would pay the first $1,000, and the insurance company would cover the remaining $2,000.

Types of Deductibles

1. Fixed Dollar Deductible: This is a specific amount you must pay each time you file a claim. It’s common in health and auto insurance policies.
2. Percentage Deductible: In some cases, particularly with homeowners insurance, the deductible might be a percentage of the insured value. For instance, if your home is insured for $200,000 and you have a 2% deductible, your out-of-pocket cost would be $4,000 before insurance covers the rest.
3. Per-Claim vs. Annual Deductible:
   • Per-Claim Deductible: You pay the deductible every time you file a claim.
   • Annual Deductible: Common in health insurance, this deductible resets each year. You pay out-of-pocket until your total expenses reach the deductible amount for the year.

Why Do Deductibles Exist?

1. Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
2. Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
3. Shared Responsibility: Deductibles ensure that policyholders share in the financial responsibility of their care or damages, promoting cautious behavior and maintenance of insured assets.

Choosing the Right Deductible

When selecting an insurance policy, choosing the right deductible is crucial. Here are some considerations:

1. Financial Ability: Assess your ability to pay the deductible in case of a claim. A higher deductible can lower your premium but may be challenging to pay if an incident occurs.
2. Risk Tolerance: Determine how much risk you are comfortable assuming. If you prefer lower out-of-pocket costs during an emergency, a lower deductible might be preferable, albeit with a higher premium.
3. Frequency of Claims: Consider how often you might need to file a claim. If you anticipate frequent claims, a lower deductible might be more cost-effective over time.

Impact on Premiums

The relationship between deductibles and premiums is inverse. Generally, the higher the deductible, the lower the premium, and vice versa. This trade-off allows policyholders to customize their insurance based on their financial situation and risk appetite.

Conclusion

Deductibles are a key feature of insurance policies that influence both the cost of premiums and the financial burden on policyholders when filing claims. Understanding how deductibles work and carefully selecting an appropriate deductible can help balance cost savings with financial protection, ensuring optimal insurance coverage tailored to individual needs and circumstances.