- 大幅調低保費 (Significant Reduction in Premiums)
墊底費越高，保險公司承擔的潛在賠償額就越少。因此，如果你選擇較高的「自願性墊底費」，保險公司通常會給予大幅的保費折扣。這對於駕駛紀錄良好、有信心的車主來說非常划算。The higher the deductible, the lower the insurer's risk. Consequently, choosing a higher "Voluntary Excess" typically results in a significantly lower premium. This is a cost-effective option for confident drivers with a clean record.
- 防止頻繁的小額索償 (Preventing Frequent Small Claims)
處理索償的行政程序（如勘察、法律文件）成本高昂。如果連幾百元的輕微刮花都申請索償，行政費可能比賠償金還貴。墊底費能過濾掉這些細微索償，減少保險公司的營運壓力，從而維持整體保費水平穩定。The administrative cost of processing a claim (e.g., assessments, paperwork) is high. If every minor scratch costing a few hundred dollars were claimed, the overhead could exceed the payout. A deductible filters out these small claims, keeping operational costs down and insurance rates stable for everyone.
- 鼓勵謹慎駕駛 (Encouraging Safe Driving)
當駕駛者知道一旦出事需自掏腰包支付一筆固定金額（即墊底費）時，會更自覺地保持警惕、遵守交通規則。這種風險分擔機制能有效降低整體的交通事故發生率。When drivers know they must pay a fixed amount out of pocket (the deductible) in the event of an accident, they are more motivated to stay alert and follow traffic laws. This risk-sharing mechanism helps lower the overall rate of traffic accidents.
