常見問題

【第三人責任保險乘客傷害責任附加條款】
是指被保險人於本附加險有效期間內對被保險人因使用或管理被保險汽車發生意外事故，致乘坐或上下被保險汽車之乘客受有傷害或死亡時，依法應負賠償責任而受賠償請求時，本公司僅對於超過強制汽車責任保險給付標準以上之部分對被保險人負賠償之責。本附加條款所稱之「乘客」，係指除駕駛人外，乘坐或上下被保險汽車之人，包含被保險人之配偶、家長、家屬及受僱人。

【Third-Party Liability Insurance Passenger Injury Liability Endorsement】
During the effective period of this endorsement, if the insured causes an accidental bodily injury or death to a passenger boarding, riding in, or alighting from the insured vehicle due to the use or management of the insured vehicle, and the insured is legally liable for such damages and a claim is made accordingly, the Company shall be liable to the insured only for the portion of the damages exceeding the benefit standards of the Compulsory Automobile Liability Insurance. The term "passenger" as used in this endorsement refers to any person, other than the driver, who boards, rides in, or alights from the insured vehicle, including the insured's spouse, parents, family members, and employees.

可參考強制汽車責任保險宣導短片「聰明篇」（國語版、台語版、客語版）及宣導圖檔（查詢篇）。

Refer to the Compulsory Automobile Liability Insurance promotional videos "Smart Edition" (Mandarin, Taiwanese, Hakka) and promotional graphics (Inquiry Edition).

擔心與高價車或超跑發生擦撞事故，面臨高額的賠償金，可以選擇投保第三人責任保險附加「超額責任保險」，彌補強制險及一般第三人責任險的不足。
超額責任保險屬於附加險的一種，無法單獨購買，一定要搭配「第三人責任險」才能購買。
第三人附加超額責任險可分為甲式、乙式和丙式三種：
甲式--包含第三人傷害、財損及乘客傷害責任的保障；累計賠償金額以保單年度之保險金額為限。
乙式--包含第三人傷害及財損的保障；累計賠償金額以保單年度之保險金額為限。
丙式--包含第三人傷害及財損的保障；每一意外事故最高賠償金額以保險金額為限。

Supplemental coverage to address high compensation claims from accidents involving luxury vehicles or supercars, filling gaps in Compulsory and standard Third-party Liability Insurance.
This endorsement requires a base Third-party Liability policy.
Type A: Covers third-party bodily injury, property damage, and passenger liability; aggregate limit per policy year.
Type B: Covers third-party bodily injury and property damage; aggregate limit per policy year.
Type C: Covers third-party bodily injury and property damage; limit per accident.

甲式車體險的保障範圍包含：
一、碰撞、傾覆。
二、火災。
三、閃電、雷擊。
四、爆炸。
五、拋擲物或墜落物。
六、第三者之非善意行為。
七、不屬本保險契約特別載明為不保事項之任何其他原因。
更多資訊可參考【明台產險汽車車體損失險】

Scope of Type A coverage includes:
1. Collision and overturning.
2. Fire.
3. Lightning.
4. Explosion.
5. Projectiles or falling objects.
6. Malicious acts by third parties.
7. Any other cause not specifically excluded in the contract.
Refer to [MSIG Mingtai Automobile Physical Damage Insurance] for details.

乙式車體險的保障範圍包含：
一、碰撞、傾覆。
二、火災。
三、閃電、雷擊。
四、爆炸。
五、拋擲物或墜落物。
更多資訊可參考【明台產險汽車車體損失險】

Scope of Type B coverage includes:
1. Collision and overturning.
2. Fire.
3. Lightning.
4. Explosion.
5. Projectiles or falling objects.
Refer to [MSIG Mingtai Automobile Physical Damage Insurance] for details.

丙式車體險又名車碰車車體險，保障與車輛發生碰撞、擦撞所致之毀損滅失。
更多資訊可參考【明台產險汽車車體損失險】

Also known as "Vehicle-to-Vehicle" coverage, it protects against damage resulting from collisions or scrapes with other vehicles.
Refer to [MSIG Mingtai Automobile Physical Damage Insurance] for details.

可以。
被保險人三親等內親屬身故發生於預定海外旅程開始前二十日起至海外旅行期間開始時止，保險公司負理賠之責。

Yes.
The insurer is liable for a claim when the death of a third-degree relative of the insured occurs within the period commencing 20 days prior to the scheduled start of the overseas trip through the commencement of the overseas travel period.

有兩種方式可以協助您辦理車子報廢的退費問題：
1. 將填寫好的【批改申請書】(申請書上要蓋要/被保人印章)，連同要/被保人身分證影本及要保人存摺影本寄到本公司任何一個【服務據點】。

2. 臨櫃辦理：請攜帶要/被保人身分證和印章、要保人存摺至本公司任何一個服務據點，皆可以為您服務，服務時間為周一至周五 上午 8:30 ~ 下午 5:30 國定例假日除外)。

Two methods for processing scrap vehicle refunds:
1. Mail a completed "Amendment Application" (stamped by the applicant/insured) with ID and bankbook copies to any service branch.
2. In-person: Visit any branch with ID, stamps, and bankbook. Service hours are Monday to Friday 8:30 AM ~ 5:30 PM, excluding national holidays.