任意第三人責任險：保障車外超過強制汽車責任保險給付標準以上之部分第三人傷害或死亡以及第三人財物損失。

強制險：保障車上乘客及車外第三人傷害或死亡。

Voluntary Third Party Liability Insurance: Covers third party injury, death, and property damage exceeding compulsory insurance payment standards.
Compulsory Insurance: Covers passengers in the vehicle and third party injury or death outside the vehicle.