理賠問題
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Q57 詢問寵物險是否投保之後狗狗生病就有給付醫療費用? | Does pet insurance cover medical expenses immediately after policy purchase when pets get sick?
因疾病有等待期及相關除外不保項目，請參閱相關保單條款規範。
Illness coverage has waiting periods and exclusions; please refer to policy terms and conditions.
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Q58 何謂重置成本，何謂實際現金價值?
重置成本為保險標的物以相同或類似品質之物品，依原設計、規格或功能重建或重置所需之成本，重置成本不扣除折舊。
實際現金價值指保險標的物於市場之實際現值，即重置成本扣除折舊後之金額。
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Q59 傷害保險之保險金的給付對象是誰? | Who are the beneficiaries of accident insurance claims?
如為傷害醫療保險金、失能保險金，其給付對象為被保險人本人。
如為身故保險金，則其給付對象為保單約定之受益人。
For accident medical benefits and disability benefits, the beneficiary is the insured person.
For death benefits, the beneficiary is the designated beneficiary specified in the policy.
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Q60 已投保強制保險，但駕照被吊扣，發生交通事故造成他人受傷，保險公司是否會理賠? | If I have compulsory insurance but my license is suspended, will the insurance company cover injuries to others in a traffic accident?
駕照遭吊扣，視同無照駕駛，保險公司可以拒絕理賠。
但如所投保險種為強制險，基於強制險保險契約之約定，保險公司會接受理賠申請，並於賠付受害者後，再向無照駕駛人追償。
A suspended license is considered driving without a license, and insurance companies can refuse claims.
However, for compulsory insurance, based on the contract terms, the insurance company will accept the claim and compensate the victim, then seek reimbursement from the unlicensed driver.
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Q61 車禍後續處理通常需要多久才能完全解決並處理完畢? | How long does it typically take to fully resolve and process a car accident case?
若車禍事故涉及其他車輛，因需等待警方的肇事責任判定，通常需要兩周至一個月。如事故涉及人員傷亡，則有醫療療程、復健與和解等程序，處理時間通常會延展至數個月甚至一年以上。
For accidents involving other vehicles, resolution typically takes two weeks to one month due to police liability determination. If injuries or fatalities are involved, including medical treatment, rehabilitation, and settlement processes, it may extend to several months or over a year.
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Q62 投保汽機車保險後，保險公司在甚麼情況下會不予理賠? | Under what circumstances will the insurance company deny vehicle insurance claims?
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 -
Q63 發生車禍是否一定要報警處理? | Is it mandatory to report accidents to the police?
是的，因保險條款中已有約定，故於發生事故後，務必報請警方協助進行現場記錄及肇事責任之判定，以作為理賠或追償之依據，並避免日後發生爭議，損害車主權益。
Yes, as stipulated in insurance terms, accidents must be reported to police for scene documentation and liability determination, serving as basis for claims or recovery and preventing future disputes that could harm the owner's interests.
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Q64 房屋沒有全倒或被政府裁定須拆除，可以申請基本地震保險理賠嗎?
可以；明台會安排合格評估人員到府上對梁、柱、牆進行查勘，依勘損結果評定是否達不堪居住或修復成本為重置成本的50%以上之可理賠標準。
