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Hello native speakers,

Could you please teach me how to use will/would correctly?

There were a few times I saw people use would+verb+if+present tense.

For example, '

The premium would increase if a claim is made.

If this is correct, what is the difference between the sentence above and the following sentence?

The premium would increase if a claim were made.

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    Technically, the two valid options would be "The premium would increase if a claim were made," and "The premium will increase if a claim is made." However, in practice, people are often slightly sloppy and say, "The premium would increase if a claim is made." – aparente001 May 13 at 5:01
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    ...if a claim was made would work too; plain old preterite tense (in this case was) often replaces the old irrealis form (were) nowadays – Hannah May 13 at 6:19

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