車險
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Q1 任意汽車第三人責任險-財損賠付範圍包含哪些項目? | What items are covered under the Voluntary Third-Party Liability Insurance for property damage?
被保險人因所有、使用或管理被保險汽車發生意外事故，致第三人財物受有損害，依法應負賠償責任而受賠償請求時，在保險金額內保險公司對被保險人負賠償之責。
When the insured is legally liable for compensation due to property damage to a third party caused by an accident involving the ownership, use, or management of the insured vehicle, the insurance company shall be liable for compensation to the insured within the insurance amount.
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Q2 任意汽車第三人責任險-體傷賠付範圍包含哪些項目? | What items are covered under the Voluntary Third-Party Liability Insurance for bodily injury?
被保險人因所有、使用或管理被保險汽車發生意外事故，致第三人傷害或死亡，依法應負賠償責任而受賠償請求時，對於超過強制汽車責任保險給付標準以外的部分，在保險金額內保險公司對被保險人負賠償之責。
When the insured is legally liable for compensation due to injury or death of a third party caused by an accident involving the ownership, use, or management of the insured vehicle, the insurance company shall be liable for compensation to the insured within the insurance amount for the portion exceeding the payment standards of Compulsory Automobile Liability Insurance.
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Q3 若已投保了機汽車強制保險或任意保險，但車子借朋友使用，而朋友不小心撞傷路人，保險公司是否有理賠呢？ | If I have compulsory or voluntary vehicle insurance and my friend borrows my car and accidentally injures a pedestrian, will the insurance company cover it?
有關借用汽機車肇事，保險公司是否理賠，需視保險契約內容而定。
一. 在強制險部分，只要是經過被保險人同意而使用該汽機車之人，發生保險事故時均能獲得理賠，但如駕駛人因故意、犯罪或受酒精藥物影響等原因而肇事，保險公司得於給付請求權人理賠金額後，再向駕駛人追償。
二. 在汽車車體損失險的部分，則需視保險契約內所約定的被保險人範圍而定，一般車體損失險的被保險人通常包括以下：
1. 列名被保險險(個人或公司團體)。
2. 列名被保險人之配偶、其同居家屬、四等血親及三等姻親。
3. 列名被保險人所雇用駕駛人及所屬之業務使用人。
三. 在汽機車第三人責任險方面，同樣需視保險契約內容而定，一般汽機車第三人責任保險之被保險人通常包括以下：
1. 列名被保險人及其同居家屬
2. 列名被保險人所雇用之駕駛人及其所屬之業務使用人。
3. 經列名被保險人許可使用或管理被保險汽車之人。
因此，事故發生時駕駛或騎乘被保險汽機車之人，若不是原被保險人，則需根據其投保之險種，如符合汽機車保險約定之被保險人定義，則保險公司會依保險契約賠付，事後亦不會再向駕駛或騎乘被保險汽車之人行使求償權利。
Regarding accidents involving borrowed vehicles, coverage depends on the insurance contract terms:
I. For compulsory insurance, anyone using the vehicle with the insured's permission is covered, but if the driver causes an accident due to intentional acts, crimes, or under the influence of alcohol/drugs, the insurance company can seek reimbursement from the driver after compensating the victim.
II. For vehicle damage insurance, coverage depends on the defined scope of insured persons, typically including:
1. Named insured (individual or company)
2. Named insured's spouse, cohabitating family members, relatives within four degrees of blood relation and three degrees of marriage
3. Employed drivers and business users.
III. For third-party liability insurance, coverage typically includes:
1. Named insured and cohabitating family members
2. Employed drivers and business users
3. Persons authorized to use or manage the insured vehicle.
Therefore, if the driver is not the original insured, coverage depends on the insurance type and if they meet the definition of an insured person, the company will pay according to the contract without seeking reimbursement. -
Q4 發生車輛失竊或零配件失竊時應如何處理? | What should be done in case of vehicle or parts theft?
1. 立即向失竊地點之轄區派出所報案。
2. 報案後務必取得警方出具之失竊證明單。
3. 請攜帶失竊證明、行駕照影本、印章等基本理賠申請資料，於5日內，向保險公司提出理賠申請。
4. 依保險公司之說明補齊其它資料，如出廠證明、稅單等。
1. Immediately report to the police station with jurisdiction over the theft location.
2. Obtain a theft certificate issued by the police after filing the report.
3. Submit a claim to the insurance company within 5 days with basic claim documents including theft certificate, copies of driver's license, personal seal, etc.
4. Complete additional documentation as requested by the insurance company, such as manufacturer's certificate, tax receipts, etc. -
Q5 車輛失竊後已向保險公司申請理賠，但車子又尋獲，應如何處理? | What should I do if my stolen vehicle is found after I've filed an insurance claim?
1. 如果車輛失竊後，已向保險公司申請理賠並領得理賠款時，欲領回車輛，請與保險公司聯繫繳回已領取之保險理賠款，並辦理後續手續。
2. 車輛尋獲後如有損壞，保險公司會將車輛修護回復原狀，但車主需依竊盜險承保內容之約定，負擔自負額。
3. 如不領回車輛或車輛已無修復價值，則車輛將由保險公司逕行處理或出售。
1. If you have already received the insurance claim payment and wish to retrieve your vehicle after it's found, please contact the insurance company to return the compensation and complete the necessary procedures.
2. If the recovered vehicle is damaged, the insurance company will restore it to its original condition, but the owner must pay the deductible as stipulated in the theft insurance coverage.
3. If you choose not to retrieve the vehicle or if it has no restoration value, the insurance company will handle or sell the vehicle directly. -
Q6 車輛停放中遭受不明事故受損時應如何處理? | What should I do if my parked vehicle is damaged by an unknown incident?
如果投保甲式的車體損失險，並發現車輛於停放處所發生不明受損狀況時，請依下列方式辦理：
1. 保留現場。
2. 向警方報案。
3. 通報保險公司。
4. 拍攝現場照片。
5. 於事故發生5日內，向保險公司提出理賠申請。
If you have comprehensive vehicle damage insurance (Type A) and discover unknown damage to your parked vehicle, please follow these steps:
1. Preserve the scene
2. File a police report
3. Notify the insurance company
4. Take photos of the scene
5. Submit an insurance claim within 5 days of the incident -
Q7 車輛如因火災、水災、地震事故受損時，應如何處理? | How should I handle vehicle damage caused by fire, flood, or earthquake?
1. 保留現場。
2. 通報保險公司。
3. 拍攝現場照片。
4. 於事故發生5日內，向保險公司提出理賠申請。
1. Preserve the scene
2. Notify the insurance company
3. Take photos of the scene
4. Submit an insurance claim within 5 days of the incident -
Q8 投保車體損失保險，行駛時因路面凹洞造成輪胎、輪圈受損，是否可申請理賠? | If I have vehicle damage insurance, can I claim for tire and rim damage caused by road potholes?
1. 輪胎、輪圈一般不屬於車體損失險的承保範圍，因此，如果因行駛於路面，因路面凹洞或遭他人破壞致毀損，則無法獲得保險公司的賠償。
2. 但，如發生交通意外事故，使輪胎及輪圈與車身同時受損，且投保甲、乙式車體損失保險時，則屬承保之理賠範圍。
1. Tires and rims are generally not covered under vehicle damage insurance, so damage caused by road potholes or vandalism while driving is not eligible for compensation.
2. However, if tires and rims are damaged along with the vehicle body in a traffic accident and you have Type A or B vehicle damage insurance, it falls within the scope of coverage.
