Making the homeowner pay a part of the claim related to damage to their car is an example of $\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_$ and is a mechanism that $\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_.$

A$.$

conditions; decreases the premium

B$.$

excess; limits the chance of the insured to take more risk

C$.$

exclusion; limits the chance of the insured to take more risk

D$.$

excess; increases the premium

E$.$

exclusion; increases the premium