Jessica Biel ditched her wedding ring and plastered on a brave smile as she continued to

film The Better Sister in NYC on Tuesday – amid husband Justin Timberlake’s shock DWI arrest,

The actress, 42, whose husband, 43,  is set to take to the stage this evening for his Future Tomorrow tour gig 

at Madison Square Garden, cracked a wide smile as she larked around on set.

The star flashed her ring-free hand while clad  in a mint green vest top – paired with tan chinos and sandals.

She wore her new bob sleek and straight and sported chic shades.

The giddy appearance comes just hours before the Cry Me A River star will take to the stage – amid a turbulent few days. 

Justin was arrested on June 18 about 12:30 when a Sag Harbor Village Police Department officer stopped him in the village in New York’s Hamptons after he allegedly ran a stop sign and veered out of his lane while driving a 2025 BMW X7, according to a court document.

‘His eyes were bloodshot and glassy, a strong odor of an alcoholic beverage was emanating from his breath, he was unable to divide attention, he had slowed speech, he was unsteady afoot and he performed poorly on all standardized field sobriety tests,’ the court papers said.

The so-called ‘Prince of Pop’ told the officer he had one martini and was following some friends home, according to the documents. After being arrested and taken to a police station in nearby East Hampton, he refused a breath test, said the court papers, which listed his occupation as ‘professional’ and said he’s ‘self-employed.’

The 10-time Grammy winner was released without bond later in the morning after being arraigned in Sag Harbor. He was charged with a driving-while-intoxicated misdemeanor, and his next court date was scheduled for July 26, the Suffolk County district attorney’s office said.

A bartender at the hotel confirmed to People that the singer only consumed one drink before the arrest.

Another employee told the publication: ‘If he was drinking more, it wasn’t here.’ 

Justin began performing as a Disney Mouseketeer, where his castmates included future girlfriend Britney Spears, 42.

He rose to fame in the behemoth boy band NSYNC, embarked on a solo recording career in 2002 and was one of pop´s most influential figures in the early 2000s.

Jessica and Justin have been married since 2012 and have sons Silas, nine, and Phineas, three, together.

Justin has continued on his Forget Tomorrow World Tour despite the arrest and Jessica has continued filming The Better Sister, which she also is an executive producer of under her Iron Ocean Films label.

Jessica also was an executive producer of the 2022 Hulu biographical crime drama series Candy in which she played accused axe murderer Candy Montgomery and Justin had a recurring role in Candy as Deputy Steve Deffibaugh.

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Source: Los Angeles Times

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.