If Hank has collision coverage with a $2,000 deductible and his truck has $45,000 in damages, how much will his insurer indemnify him?

To determine how much Hank's insurer will indemnify him, we start by understanding how insurance coverage and deductibles work. Collision coverage kicks in to cover damages to Hank's truck, but he is also responsible for a deductible amount, which in this case is $2,000.

The total cost of the damages to the truck is $45,000. Since Hank has a deductible of $2,000, the insurer will subtract this amount from the total damages before indemnifying Hank. Therefore, we calculate the indemnity amount as follows:

Total damages: $45,000
Less deductible: $2,000
Amount indemnified by the insurer: $45,000 - $2,000 = $43,000

Thus, Hank will receive $43,000 from his insurer after considering the deductible, which aligns with the correct answer. Understanding this process of deductibles and how they affect the total reimbursement amount is crucial for anyone studying insurance policies and claims in the context of adjuster licensing.