特指出租车和私家车遇到小事故预付额不到500元时，保险公司不予赔偿excess(Britain); deductible(US)

• 我认为,“不计免赔”就是针对“免赔”的。

  I thought the "non-deductible" was aimed at the "deductible"

• 损失严重的，保险公司负责赔偿；损失轻微在免赔额以下的，自己花钱也不多。

  If there is serious loss, the insurance company is liable for compensation; where the loss is slightly below the excess, one won't have to pay a lot.