La franquicia redujo la indemnización.

Redujo is the preterite form of reducir.

In this sentence, the preterite shows a completed action in the past: the reduction happened as a finished event.

• reducía = was reducing / used to reduce
• redujo = reduced

So La franquicia redujo la indemnización presents the reduction as a specific past action.

Because reducir is irregular in the preterite.

It belongs to the group of verbs ending in -ducir, which change to a -j- stem in the preterite:

• reduje
• redujiste
• redujo
• redujimos
• redujisteis
• redujeron

Notice two important things:

1. The stem changes from reduc- to reduj-
2. In the 3rd person forms, you get -o and -eron, not -ió and -ieron

So redució is incorrect.

Other verbs that follow the same pattern:

• producir → produjo
• conducir → condujo
• traducir → tradujo

Not always. Franquicia has more than one meaning in Spanish.

Common meanings include:

• franchise (business sense)
• deductible / excess in insurance

In Spain, franquicia is very commonly used in insurance contexts to mean the part of the loss the insured person must cover.

So depending on the meaning you were shown, la franquicia here may well mean the deductible, not a business franchise.

Indemnización usually means compensation, damages, payout, or indemnity, depending on context.

It is often used in:

• legal contexts
• insurance contexts
• employment contexts

So it refers to money paid because of:

• damage
• loss
• injury
• dismissal
• some other harm

It is a feminine singular noun, which is why it takes la.

Because both franquicia and indemnización are feminine singular nouns.

• la franquicia
• la indemnización

Also, Spanish often uses the definite article more often than English does. In this sentence, both noun phrases refer to something specific:

• the deductible / franchise
• the compensation / payout

So the articles are completely natural.

In the normal Spanish word order, this is straightforward:

• La franquicia = subject
• redujo = verb
• la indemnización = direct object

So the sentence means that the deductible/franchise reduced the compensation, not the other way around.

The default pattern here is:

Subject + Verb + Direct Object

That said, Spanish word order can sometimes change for emphasis, so learners should pay close attention to the usual order first.

Because la indemnización is not a person.

The personal a is usually used before a specific human direct object:

• Veo a María.
• Llamaron al médico.

But with things, you normally do not use it:

• Reducieron la indemnización.
• Compré el coche.

Since la indemnización is a thing, not a person, there is no a.

Because it is stressed on the last syllable: -ción.

In Spanish, words stressed on the final syllable need a written accent if they end in:

• vowel
• n
• s

Indemnización ends in n, and the stress is final, so it needs an accent:

• indemnización

This is also a very common pattern with nouns ending in -ción, many of which correspond to English words ending in -tion:

• información
• situación
• compensación
• indemnización

In standard Peninsular Spanish, a rough English-friendly guide would be:

la fran-KEE-thya reh-DOO-kho la in-dem-nee-tha-THYON

A few key pronunciation points:

• j in redujo is a strong throaty sound
• z in indemnización is pronounced like th in thin in most of Spain
• ci in franquicia also has that th sound in most of Spain

So in Spain:

• franquicia sounds roughly like fran-KEE-thya
• indemnización ends roughly -tha-THYON

Yes, but the original order is the most neutral and standard one:

La franquicia redujo la indemnización.

Spanish can move elements around for emphasis, but that often sounds more marked or advanced. For example:

• La indemnización la redujo la franquicia.
  This emphasizes la indemnización.

• Redujo la indemnización la franquicia.
  This is possible, but it sounds much less neutral.

For learners, the safest pattern is to stick with the normal subject + verb + object order.

Because Spanish usually does not use subject pronouns unless they are needed for emphasis, contrast, or clarity.

Here, the subject is already clearly expressed as la franquicia, so adding ella would be unnecessary:

• La franquicia redujo la indemnización. ✅
• Ella redujo la indemnización. ✅ but only if the subject is already understood from context
• Ella la franquicia redujo la indemnización. ❌

Spanish is a language that often omits subject pronouns, so this sentence is completely normal as it is.