有別於傳統汽車第三人責任險就超過強制汽車責任保險給付標準以上之部分身故/傷害，或財損個別約定保額且各有限額，單一保額型保險，於事故發生時，可彈性運用於超過強制汽車責任保險給付標準以上之部分第三人之身故/傷害或財損理賠，為總額約定不個別限制。

Unlike traditional third party liability insurance which has separate limits for death/injury exceeding compulsory insurance payment standards and property damage, single sum insured type insurance offers flexible coverage for third party death/injury or property damage claims exceeding compulsory insurance payment standards, with a total agreed amount without individual limits.