汽車保險

常見問題

商品

• 哪些車輛需投保汽(機)車強制險？ | Which vehicles require compulsory auto/motorcycle insurance?

  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.

• 收到汽機車續保繳費單，如因過期未繳納，還能持原繳費單至超商或銀行繳費嗎?保險生效日如何計算? | If I receive a renewal payment slip for auto/motorcycle insurance and it expires without payment, can I still use the original payment slip at convenience stores or banks? How is the insurance effective date calculated?

  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.

• 強制汽車責任保險駕駛人傷害附加條款(汽車單一交通事故)的承保範圍?是否有投保限制? | What is the coverage scope of the Driver Injury Additional Clause for Compulsory Automobile Liability Insurance (single traffic accident)? Are there any insurance restrictions?

  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.

理賠

• 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.

• 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.

• 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.

網路投保

• 網路投保車險挑選險種為何不會出現保費? | Why doesn't the premium appear when selecting auto insurance types online?

  車險試算中，如您有重新選擇險種或保額調整，請先按下方"試算保費"按鍵，即可算出試算保費。

   

  During auto insurance calculation, if you have reselected insurance types or adjusted coverage amounts, please click the "Calculate Premium" button below to calculate the estimated premium.

• 當網路投保被保險人(車主)跟要保人不同時應如何投保? | How to apply for online insurance when the insured (vehicle owner) and policyholder are different?

  被保險人跟要保人(支付保費的人)不同時請選擇傳真要保，依序步驟資料填寫完成投保後。

  投保完成需回傳要保書簽名方式如下列，資料若有收到檢核完成後會再以簡訊通知。

  1. 利用手機拍照，點選上傳要保書連結。

  (投保完成畫面或要保完成通知信內可點選)。

  2. 完簽要保書至傳真02-2772-9958。

  3. 完簽要保書Mail 至 網路投保服務信箱：ec@msig-mingtai.com.tw。

   

  When the insured and policyholder (premium payer) are different, please choose fax application and complete the application steps sequentially.
  After completion, return the signed insurance application form through:
  1. Take a photo with mobile phone and click the upload link
  (available in completion screen or notification email)
  2. Fax the signed form to 02-2772-9958
  3. Email the signed form to ec@msig-mingtai.com.tw

• 去年使用網路投保，今年收到車險續保通知單，要找指定人員投保嗎? | I used online insurance last year and received an auto insurance renewal notice this year. Do I need to find a designated person to insure?

  您收到的車險紙本通知主要為提醒您續保愛車的保障，可直接利用明台產險網站完成投保手續，方便安全又省時。

   

  The auto insurance paper notice you received is mainly to remind you about renewing your vehicle coverage. You can directly complete the insurance procedure through MSIG Mingtai website, which is convenient, safe, and time-saving.

Read More