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【题目】由于台风灿鸿带来的强降雨导致某地被淹,居民生产生活都受严重影响。该地被淹的大量汽车发动机进水后损坏。一些购买了涉水险和车损险的车主从保险公司获得相应的赔偿金。由此可知购买这类保险

能够降低投保人承担的风险损失

是为了实现投资资金的保值增值

是居民规避风险的一种有效选择

是以人的寿命和身体为保险对象

A.①② B.①③ C.②④ D.③④

【答案】B

【解析】商业保险是指投保人根据合同约定,向保险人支付保险费,保险人对合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任,或者当被保险人死亡、伤残、疾病或达到合同约定的年龄期限时,承担给付保险金责任的行为。通过购买保险,投保人把风险转移给保险人,使自己所承担的风险损失下降,是规避风险的一种有效方式,①③符合题意。购买保险的目的是规避风险,观点错误。材料中的保险属于财产保险,是以投保人的财产及其有关利益为保险对象的,不符合材料主旨。

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