但是，当事故损失是由公寓业主的疏忽所致时，他需要支付公寓物业保险中的垫底部分。如果维修费用保险低于垫底费，公寓业主则须承担全部维修损失费用。

However, the unit owner is billed for the insurance deductible when the damages are caused by his negligence, and will be billed for the full price if the repair costs are less than the deductible.

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