常見問題

操作與連結：連結請點我。

登入後＞點選（強制汽車責任保險電子式保險證下載）＞擇一輸入被保險人（身分證字號）或（統一編號）或（居留證號）＞擇一點選後輸入（車牌號碼）或（保險證號）或（車身引擎號碼）＞輸入（圖形驗證）＞點選（查詢）＞出現查詢結果後＞擇一點選下載（保險證）或（收據）＞下載後密碼為被保險人的身分證字號/統一編號/居留證號。

Operation steps: Click link > Login > Select (Download Electronic Compulsory Auto Insurance Certificate) > Enter insured's ID/Business Number/ARC > Enter license plate/policy number/VIN > Enter verification code > Click Search > Select download (Certificate/Receipt) > Password is insured's ID/Business Number/ARC.

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.

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

1.依照相關規定住宅火災保險若承保標的為建築物，則必須與地震基本保險一併投保，無法排除地震基本保險。

2.若仍有生效中長期住宅火險保單，則可另外單獨承保「明台產物住宅地震基本保險」。

1. According to regulations, if the insured object is a building, residential fire insurance must be purchased together with basic earthquake insurance; earthquake coverage cannot be excluded.
2. If there is an existing long-term residential fire insurance policy, the "Mingtai Property Basic Residential Earthquake Insurance" can be purchased separately.

自然人、法人(公司車)投保請於網路投保汽車/機車險投保類別中選擇傳真要保，投保完成需回傳簽名的要保書至傳真02-2772-9958，或網路投保服務信箱：ec@msig-mingtai.com.tw，資料若有收到檢核後會再以簡訊通知。

投保刷卡說明如下：

※要保人就是與保險公司簽訂契約之人，並負有交付保險費義務之人。

1.被保人與要保人皆為公司時，刷卡人身分：負責人/企業員工。

2.被保人為公司，要保人為負責人，刷卡人只能刷負責人的卡片。

For individual or corporate (company vehicle) insurance, please select fax application in auto/motorcycle insurance category. Return signed application form to fax 02-2772-9958 or email ec@msig-mingtai.com.tw.
Card payment guidelines:
※Policyholder is the person contracting with insurance company and responsible for premium payment.
1. When both insured and policyholder are company: cardholder can be responsible person/employee.
2. When insured is company and policyholder is responsible person: only responsible person's card can be used.

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.

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。

可先通知貸款銀行並請於保單到期前完成投保，並將續保年度保單正本及收據副本寄至貸款銀行。

Notify the lending bank and complete insurance coverage before policy expiration. Send the original renewal policy and receipt copy to the lending bank.