理賠問題
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Q89 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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Q90 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 -
Q91 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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Q92 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。
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Q93 保險事故之通知時間與保險理賠的申請期間? | What are the notification timeframes and claim application periods for insurance incidents?
被保險人於保險契約有效期間內，遭受保險契約約定之意外傷害事故時，要保人、被保險人或受益人應於知悉意外事故發生後十日內將事故狀況及被保險人的傷害程度，通知保險公司。並於通知後儘速準備所需文件，向保險公司申請給付保險金。
保險公司應於收齊文件後十五日內支付保險金。逾期應按年利一分加計利息給付。如逾期支付賠款之原因可歸責於被保險人或受益人者，保險公司得不負擔利息。
When the insured suffers an accidental injury during the valid period of the insurance contract, the policyholder, insured, or beneficiary must notify the insurance company of the accident circumstances and extent of injury within 10 days of becoming aware of the incident. Required documents should be prepared and submitted promptly afterward.
The insurance company must pay the claim within 15 days of receiving complete documentation. Late payments will incur 1% annual interest. If the delay is attributable to the insured or beneficiary, the insurance company may not be liable for interest payments.
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Q94 成田飛台灣，班機延誤一天，請問信用卡保險可以補償的項目?
須請航空公司開立班機延誤憑證，保留因班機延誤期間餐飲、住宿費用單據正本，信用卡保險實支實付最高可理賠金額為保險限額。
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Q95 侵權的部分如果咬傷別人的狗也算嗎? | Does liability coverage include biting another person's dog?
算，狗狗視為財物損害。
Yes, dogs are considered property damage.
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Q96 在境內收到航空公司因天候取消班機，「旅程更改」可以理賠嗎? | Can I claim "Trip Modification" coverage for flight cancellation due to weather while still in domestic territory?
不行，旅程更改保險啟動須同時符合以下條件方可理賠
1.被保險人須於海外旅行期間
2.發生條款約定承保事故
被保險人還在中華民國境內，不符合「旅程更改」之理賠條件。No, Trip Modification coverage requires two simultaneous conditions:
1. The insured must be during overseas travel
2. The incident must be covered by policy terms.
Being within ROC territory does not meet Trip Modification claim conditions.
