常見問題

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.

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.

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。

一般信用卡提供卡友的旅行平安保險不包含旅遊全程，僅限於搭乘使用信用卡支付的公共運輸工具期間發生的意外。但因每家信用卡對各卡別提供的卡友福利都不相同，建議您可至各發卡行的網頁查詢您所持信用卡的保險內容。

Generally, travel insurance provided by credit card does not cover the entire trip, only accidents during public transportation paid with the credit card. Benefits vary by card issuer and type, so please check your card issuer's website for specific coverage details.

算，狗狗視為財物損害。

Yes, dogs are considered property damage.