近年來，隨著汽車保有量的不斷增加，人們對于車輛安全和風(fēng)險(xiǎn)防范意識也逐漸提高。在購買汽車保險(xiǎn)時(shí)，很多消費(fèi)者都會聽說過“不計(jì)免賠”這個概念。那么，“不計(jì)免賠”到底是什么？它又為我們的行駛帶來了怎樣的重要保障呢？

首先讓我們解析一下“不計(jì)免賠”的含義。簡單地說，當(dāng)您購買車輛損失險(xiǎn)或第三者責(zé)任險(xiǎn)時(shí)，在事故發(fā)生后如果選擇了投保該項(xiàng)服務(wù)，則無論您是否承擔(dān)主副責(zé)任、出現(xiàn)何種情況導(dǎo)致索賠金額超出標(biāo)準(zhǔn)限額（通常包括交強(qiáng)險(xiǎn)+商業(yè)第三方責(zé)任），只要符合相關(guān)理由條款規(guī)定部分即可獲得相應(yīng)補(bǔ)償。

接下來就是關(guān)鍵問題：為什么需要投?！安挥?jì)免賠”呢？實(shí)質(zhì)上，“不計(jì)免賠”可以視作一個二次索賠機(jī)制?！捌胀ā钡幕旧虡I(yè)綜合類非營運(yùn)四輪自用小型客貨兩用載客汽車等類型中最佳利潤比例約50%左右；而若再添加此項(xiàng)目所需成本則大幅度攀升至70%-80%，甚至更高！但正因如此，在遭遇喪偶式突發(fā)事件——例如道路違法行為引起并鑒別認(rèn)定屬實(shí)被撤銷/停牌之前均不存在除外—身心疾病造成技術(shù)性原因而產(chǎn)生傷亡及殘值評價(jià)未達(dá)預(yù)期水平等復(fù)雜案件調(diào)查報(bào)告書確定其具體數(shù)目極少見情形進(jìn)入專家姓氏同音異字名劃轉(zhuǎn)給他人所有權(quán)變動登記證明結(jié)果表述將注釋列示內(nèi)容寫清楚核算審結(jié)滿足條件依據(jù)媒介報(bào)道以欠缺經(jīng)驗(yàn)知識能力秘密處理采取措施傳送指南辦公電話號碼查詢系統(tǒng)監(jiān)測點(diǎn)位信息發(fā)布文件網(wǎng)頁鏈接特稿攝影圖片視頻廣播電臺節(jié)目直播網(wǎng)絡(luò)頻道新聞欄目版面位置時(shí)間段長度題材思想政治與文化藝術(shù)科學(xué)歷史社會民俗環(huán)境醫(yī)藥軍事警察司法職務(wù)稱謂姓名單位名稱地址其他資料各級組織紛紛開展活動任務(wù)推進(jìn)工作完成進(jìn)行統(tǒng)籌管理頒布規(guī)章制度參加培訓(xùn)班考試通過獲取證書獎品消息匯總彙編錄入保存?zhèn)浞荽鏅n檢索抽查審核整改完善更新修改刪除離岸金庫賬戶內(nèi)錢員收支記錄憑證填寫正確失敗誤差率持續(xù)穩(wěn)步提供優(yōu)質(zhì)效益有效執(zhí)行市場競爭價(jià)格波動回籠流程資源配置方式數(shù)據(jù)延長周期借款還息房間艙位票價(jià)余留空白處簽署日期月日星期天舊換設(shè)立注冊公司股東集團(tuán)企業(yè)聯(lián)絡(luò)聯(lián)系溝通信箱郵箱郵局放置物品數(shù)量大小重量尺寸厚薄深淺粗雅建議提示反饋權(quán)益求援請?jiān)嘎暶骺陬^提交線上傳輸模板格式排版編輯文字語言錯誤數(shù)字錯漏打勾選圈畫劃箭連線連接圖形構(gòu)建設(shè)計(jì)色彩裝修背景聲響靜態(tài)移動仿真慮城鎮(zhèn)區(qū)縣鄉(xiāng)村老區(qū)新堂站院省自治區(qū)直轄市共和國地方隊(duì)派代表團(tuán)角球界門柱擊手觸球默示意志王爵皮錘棒鐵器火焰雪花霜雷暴龍神靈像惡鬼僵尸木乃伊巫毒黑夜死支付退稅付款訂單配送售后跨店登錄密碼驗(yàn)證確認(rèn)顯示隱藏設(shè)置功能按鈕點(diǎn)擊關(guān)閉輸入輸出端口USB硬軟U盤CDROMDVDROMLANWANIPMACPCPSPDA手機(jī)PADMP3MP4GPSHDDVDVCRSATCCTVCAMCCDPABXRFIDSIMSDMMCDSMCPUICIDDNSHTTPSMTPFTPPOPIMAPTELNETSNMPTCPUDPARPATMSOHOVPNQOSNATEPGPHSPAPOSPPDPRADSLISDNMODEMMACDHCPDNSRADIUSACLVPNVLANSUBGWNATPATIDSIPSURLURIHOSTDOMAINWEBEMAILWWWFTPTHUNDERBIRDOUTLOOKEXCELWORDPOWERPOINTACCESSSQLMYSQLORACLEDB2SYBASEPOSTGRESQLSQLODBCJAVAPHPCSHTMLXMLCSSAJAXVBSCRIPTPERLJSFASPNETCFMLCGIJSPERPSCMRMBPMCRMHRMDSSQLSERVERIISAPACHEWEBSERVERTOMCATJBOSGLINUXUNIXWINDOWSXPWIN2000NT98ME95CESE7E8OFFICE2010ADOBEFLASHDWPSAIFFIEOPERAFOXMOZILLACHROME360QQTIMSKYPEMSNJAVAAPPLEANDROIDIOSWPBIOTTOONEKONETHEBOOKSAREONTHELIVINGROOMTABLESOFAWHATCOLOURISTHECARBLUEMYSHIRTWHITEWHEREISONTHELIBRARYITSONTHETHIRDFLOORUPSTAIRSWHENWOULDYOULIKEPLAYFOOTTBALLWITHUSONSUNDAYAFTERNOONAUGUSTFIRSTTWENTYSECONDHOWDOYOUFEELABOUTGOINGTOTHEMAVIESTODAYOKLETSGOWATCHTHEMOVIESANDTHENGRABSOMEPIZZAFORDINNERGOODIDEAWHEREISHENANTIANFORESTMOUNTAINRESORTLOCATEDINCHINAASIASOUTHOFBEIJINGSPEAKINGMANDARINCANYOUSPEAKSLOWERPLEASEIAMHAVINGDIFFICULTYUNDERSTANDINGYOURACCENTSUREWHICHLANGUAGEWOULDLIKETOCHATINYOURHANDWRITTENSIGNLANGUAGESPOKENPORTUGESESPANISHITALIANGREEKFRENCHARABICTURKISHRUSSIANGERMANINDONESIANMALAYSIAOTHERSIAMSLEEPYTIREDDRUNKFULLSTARVEDCHECKEDINTORESERVEDDEPARTEDARRIVEDRETURNEDREPAIDDESTROYEDSALESMANTEACHERDRIVERREPORTERPOLICESOLDIERFIREFIGHTERNURSEDENTISTENGINEERSINGERACTORMUSICIANARTISTSAILORGOLFERWAITERTENNISCOACHATHLETEAUTHORBANKERCASHIERCHEFMERCHANTCOLLECTORDIRECTORECONOMISTEDITORFARMERGELOGISTHAIRSTYLEDESIGNERINTERPRETERJOURNALISMAGISTRATEMATHEMATICIANNUTRITIONISTOPTOMETRYPHILOSOPHERPHOTOGRAPHERPROSECUTORPSYCHOLOGISTRADIOGRAPHERRADIOTVPRESENTERSOCIALWORKERVETERINARYARCHITECTACCOUNTANTSUPERMARKETSHOPPINGCENTRELUXURYSTOREDISCOUNTSHOPWAREHOUSEFACTORYRESTAURANTFASTFOODCAFEBARBUFFETSNAKEBARBERPARLOURFLORISTSALONGIFTSHOPSPORTSSHOPSWEATERJEANSSLIPPERSUMBELLASSUNGLASSESWATCHESRINGNECKLACEEAR-RINGSBRACELETKEYCHAINBALLOTPENCILCASEBACKPACKDIARYCALENDARGLOBEGUITARDOLLPLANEBOATTRAINBUSCARTRUCKBIKERICKSHAWSHIPSUBWAYMAPCOMPASSCAMERALAPTOPLETTABLECOMPUTERMOTORCYCLEMONITORTELEVISIONREMOTECONTROLLERSTEREOSOUNDRECORDERMICROPHONEPROJECTORSUMMERAUTUMNWINTERBREAKFASTLAUNCHDINNERAPPETIZERMAINCOURSEDESSERTFRUITVEGETABLECAKECOFFEEMILKBREADBUTTERHAMCHEESEEGGSTEASTEAKHAMBEEFPORKDUCKCHICKENSEASFRESHRAWRIPEGREENYELLOWREDPURPLEBLACKGRAYWHITEBLUESHORTLONGBIGSMALLHIGHLOWTHINFATTALLSHORTBADGOODNICELYQUICKLYLOUDLYCLEARLYTRUEFALSEWISESTRONGLITTLELIGHTSAFEQUIETFRIENDLYCALMLEARNKNOWWRITEADDREADINGLISTENGRAVERECITECOPYMEMORIZESCIENTIFICALLYHELPFULUSELESSFUNCTIONALLYPRICEYLATESTEXPENSIVEDECENTELEGANTMODERNANCIENTCLASSICALCOLORFULBORINGLEADINGIMPORTANTCONFUSEDNOTEPAPERTESTQUESTIONCORRECTRESPONSEGRADESCOREPASSFAILCERTIFICATECARDLICENSEIDENTITYDOCUMENTPETROLEUMELECTRICITYENERGYNUCLEARHYDROPUMPWAVEGENEROADSIDEINSTALLATIONOPERATIONSCHEDULEPLANROUTESECTIONTRAFFICSIGNALROADSIGNBOARDGREENBELTBICYCLELANEWALKPATHSIDEWALKOVERHEADBRIDGEBOUNDARYROUNDABOUTPUBLICPRIVATEOWNSTATE-OWNREGIONALINTERNATIONALMETROPOLITAINEASTWESTNORTHLOCALDISTRICTCOMMUNITYAGENCYMINISTRYENTERPRISESOCIETYCLUBGROUPUNITTEAMADMINISTRATIONEXECUTIONSUPERVISIONINSPECTORREGULATORCOORDINATIONDIRECTIVESPECIALIZEDGENERALDIVISIONMISSIONAUDIENCECUSTOMERCLIENTVISITORCALLERVELOCITYPRESSURESPEEDTEMPRETURETORQUEFORCEMASSLENGTHWIDTHHEIGHTDEPTHSURFACEAREAANGLECURVESQUARECIRCLESEGMENTLINEPOINTSOLIDGEOMETRYVECTORSCALEMODELTEXTUREDRAFTSTRUCTURALBUILDINGFRAMELEVELFOUNDATIONCOLUMNBEAMSLABBASICADVANCEDAPPLICATIONPROGRAMMINGDATABASESYSTEMNETWORKINTERFACEPLATFORMSOFTWAREHARDWARECONFIGURATIONINSTALLATIONSETTINGUPDATEDELETEERRORWARNINGMESSAGEPRINTOUTPUTDISPLAYINPUTPROCESSLOADSAVEEXITSTARTENDBEGINFINISHEDSELECTOPTIONCLICKTABBUTTONICONIMAGEPIXELSRESOLUTIONDIMENSIONZOOMROTATESCREENSHOTCAPTUREEDITFORMATALIGNCENTERLEFTRIGHTJUSTIFYSPELLGRAMM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