車險

微型電動二輪車強制險投保方式，可參考
1. 「微型電動二輪車強制險宣導專區」
2. 「監理服務網-微型電動二輪車專區」(多國語言服務)
3. 「微型電動二輪車強制險承保Q&A」

Procedures for purchasing compulsory automobile liability insurance for Mini Electric Two-wheel Vehicle, please refer to:
1. "Mini Electric Two-wheel Vehicle compulsory automobile liability insurance Promotion Area"
2. "Motor Vehicle Driver Information Service - compulsory automobile liability insurance for Mini Electric Two-wheel Vehicle" (multilingual service)
3. "compulsory automobile liability insurance for Mini Electric Two-wheel Vehicle Underwriting Q&A"

應投保強制汽車責任保險(以下稱強制車險)之汽車種類如下：

1.公路法第2條第10款規定之汽車。但國軍編制內軍用車輛管理及處罰辦法第2條規定之軍用車輛於作戰期間，不在此限。

2.依據道路交通安全規則第83條規定向公路監理機關申請核發臨時通行證之動力機械。

3.汽車牌照報廢、繳還、繳存、繳銷、吊銷或註銷後仍行駛之汽車。

4.強制汽車責任保險法第5條之1施行後第1項及第2項所定之微型電動二輪車。

Vehicles requiring compulsory insurance include:
1. Vehicles defined in Article 2-10 of the Highway Act (excluding military vehicles during combat operations).
2. Power machinery requiring temporary permits under Article 83 of Road Traffic Safety Rules.
3. Vehicles still in operation after license plate retirement, return, deposit, cancellation, revocation, or withdrawal.
4. Micro electric two-wheelers as defined in Article 5-1 of the Compulsory Automobile Liability Insurance Act.

因現行實施收費出單制度，繳費應於生效日之前完成，若超過繳費期限即無法以原繳費單進行繳費，請連繫您的業務人員協助重新報價並提供新的繳費單；於收到新的繳費單後，請於約定生效之繳費期限內完成繳費動作，保險始可生效。

Under the current billing system, payment must be completed before the effective date. If the payment deadline is exceeded, the original payment slip cannot be used. Please contact your sales representative for a new quote and payment slip. After receiving the new payment slip, complete the payment within the agreed effective period for the insurance to take effect.

1.被保險汽車發生單一汽車交通事故(如：自摔/自撞)，致駕駛人本人死亡、失能或受有傷害時，且因未牽涉其他依強制汽車責任保險法所定義之汽車，致無法依強制汽車責任保險法申請賠償或補償者，本公司依照本附加條款之約定，對受益人負賠償之責。
*前項所稱『駕駛人』係指經本公司承保之要保人及經該要保人同意使用或管理被保險汽車之人。
*第一項所稱「牽涉」係指事故汽車於某一時間，參與、涉入、牽扯或牽連在汽車交通事故中，而與駕駛人之傷害或死亡有因果關係者。
2.需先行投保本公司強制汽車責任保險始可附加此附加條款。

1. When the insured vehicle is involved in a single traffic accident (e.g., self-accident/collision) causing death, disability, or injury to the driver, and no other vehicles as defined by the Compulsory Automobile Liability Insurance Law are involved, making compensation claims under the law impossible, our company shall be liable for compensation to the beneficiary according to this additional clause.
"Driver" refers to the policyholder insured by our company and any person authorized by the policyholder to use or manage the insured vehicle.
"Involvement" refers to the accident vehicle's participation, involvement, or connection in a traffic accident that has a causal relationship with the driver's injury or death.
2. This additional clause can only be added after purchasing our company's Compulsory Automobile Liability Insurance.

汽車：汽車強制險會依車籍資料及過去年度之肇事記錄來核算保費，並不會因為轉換保險公司而增加額外費用；且如過去年度肇事紀錄良好，則轉換保險公司後，過去的良好紀錄也會延續，仍可繼續獲得無肇事的減費優惠。

機車：機車強制險未施行無肇事減費，故轉換保險公司，不會對保費有影響(不會因為機車的保費相對較低，實施肇事加減費之成本大於效益，因此，機車不實施依有無肇事理賠記錄而加減費措施)。

Auto: Compulsory auto insurance premiums are calculated based on vehicle registration data and past accident records, with no additional costs for switching insurers. Good accident records carry over when switching companies, maintaining no-claim discounts.
Motorcycle: Motorcycle compulsory insurance does not implement no-claim discounts, so switching companies will not affect premiums (due to relatively low motorcycle premiums, the cost of implementing claim-based adjustments exceeds the benefits).

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.

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.

1.被保險人於本附加險有效期間內駕駛被保險汽車發生交通意外事故，致被保險人死亡或失能時，本公司依照本附加險之約定負給付保險金的責任。

本附加險所稱之『被保險人』，指駕駛被保險汽車之人，並以記載於被保險人名冊上，且經其簽名同意者為限。

2.任意汽車第三人責任險附加駕駛人傷害險及強制汽車責任保險駕駛人傷害附加條款，兩者可同時承保。

1. If the insured dies or becomes disabled due to a traffic accident while driving the insured vehicle during the valid period of this additional insurance, our company shall be liable for insurance payment according to this additional insurance. The "insured" refers to the person driving the insured vehicle, limited to those listed on the insured name list and who have signed their consent.

2. Both the Driver Injury Insurance Additional to Voluntary Third Party Liability Insurance and the Driver Injury Additional Clause of Compulsory Automobile Liability Insurance can be insured simultaneously.