以下狀況為保險公司載明於保險契約內之一般性不保事項，駕駛人發生以下狀況時，保險公司會依據契約內容，拒絕理賠。

1. 受害人或受益人涉及不法犯罪行為。

2. 當事故發生車主未取得保險公司的同意逕行私下和解。

3. 吸食違禁藥物、酒後駕車。

4. 受害人或受益人與保險人或加害人串通、虛報、詐欺行為。

5. 保險公司賠償範圍只限於民事賠償部份，不包含刑事責任。

6. 屬於零件自然耗損品，保險公司不賠。

7. 無照駕駛。

8. 肇事逃逸。

 

The following situations are general exclusions specified in the insurance contract. Claims will be denied when:
1. Victim or beneficiary involved in illegal criminal activities
2. Vehicle owner settles privately without insurance company consent
3. Driving under influence of drugs or alcohol
4. Fraud or collusion between victim/beneficiary and insurer/perpetrator
5. Coverage limited to civil liability, excluding criminal liability
6. Natural wear and tear of parts
7. Driving without license
8. Hit and run