Question 18 One of the reasons that deductible are used in insurance policies is to eliminate coverage for small claims. place restrictions or limits on the insurer's promise to perform. O provide broader coverage by increasing the number of perils covered. exclude perils that are not insurable. Question 18 One of the reasons that deductible are used in insurance policies is to eliminate coverage for small claims. place restrictions or limits on the insurer's promise to perform. O provide broader coverage by increasing the number of perils covered. exclude perils that are not insurable