保險Q&A
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- 我要如何確認我的車險投保內容?
- 客戶於本公司投保汽機車保險後，可利用下列方式查詢投保狀況：
1. 強制汽車責任保險查詢平台
2. 車險投保進度查詢
3. 汽車保險保險費查詢
4. 保單存摺
5. 本公司客服專線0800-288-068
電子強制證及電子保單，一律透過Email 及簡訊寄發通知。
「68610」為第一產物保險股份有限公司企業識別專屬簡訊短碼，未來任何有關第一保的簡訊，均採用此專屬短碼。
有疑慮時，可撥打免付費客服專線0800-288-068確認真偽。 - 為什麼要投保強制汽車責任保險？
- 政府為了車禍受害人能獲得合理的基本保障。受害人可迅速獲得理賠，本保險採限額無過失責任，受害人有保險金給付之請求權。
- 強制汽車責任保險之保險範圍？
- 被保險人因所有、使用或管理被保險汽車發生汽車交通事故，造成受害人體 傷、失能或死亡者，不論被保險人有無過失，本公司依本保險契約之約定，對請求權人給付保險金。
● 每人體傷最高新台幣20萬元。
● 每人失能依失能等級給付，最高至新台幣二百萬元。
● 每人死亡定額給付新台幣二百萬元。 - 假如強制險已投保或投保其他保險公司，可以另外投保任意險嗎?
- 可以，強制險與任意險(例如駕駛人傷害險或第三人責任險)可以分開投保。
- 汽車所有人如果未依規定投保強制汽車責任保險，是否會受到處罰？
- 依強制汽車責任保險法第49條規定，汽車所有人應依規定投保強制汽車責任保險。汽車未投保者，將處新台幣三千元以上一萬五千元以下罰鍰；機車未投保者處新台幣一千五百元以上三千元以下罰鍰；微型電動二輪車未投保者，將處新台幣七百五十元以上一千五百元以下罰鍰。若未投保而肇事者處新台幣九千元以上三萬二千元以下罰鍰，並扣留車輛牌照至其依規定投保後發還。
- 什麼是任意險呢?
- 任意險是指強制險以外之其他險種皆統稱為任意險，例如：車體險、竊盜險、第三人責任險、駕駛人傷害險及相關附加險。任意險可自由選擇是否承保。
- 汽車車體損失險是甚麼?
- 被保險汽車在保險契約有效期間內，因承保範圍所列危險事故所致之毀損滅失，本公司對被保險人負賠償之責。
- 竊盜損失保險是甚麼?
- 若被保險汽車因遭受偷竊、搶奪、強盜所致之毀損滅失，本公司對被保險人負賠償之責。
- 汽車第三人責任保險是甚麼?
- 汽車第三人責任保險分為：
●傷害責任險
被保險人因所有、使用或管理被保險汽車發生意外事故，致第三人死亡或受有體傷，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。
●財損責任險
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，本公司對被保險人負賠償之責。 - 什麼是強制汽車責任保險駕駛人傷害附加條款中，所指的「單一事故」?
- 保險汽車發生汽車交通事故，致駕駛人本人傷害、失能或死亡，未牽涉其他依強制汽車責任保險法所定義之汽車(如自行翻車、撞樹、撞壁、撞電線桿等)。
- 汽機車投保時的「重置價值」是什麼?
- 指得是重新購置同廠牌、同款型式的新車所需支付的金額。目前所參考的重置價值，係由財團法人保險事業發展中心-汽車重置價格審查小組統一審定。
- 投保任意險時，所提到的「自負額」是甚麼?
- 「自負額」係指每一次意外事故發生時，被保險人必須自行負擔的金額，保險公司僅對超過自負額的部份負賠償責任。主要目的在於減少小額賠款支出，降低理賠成本外，同時減輕被保險人保費負擔，並且提醒被保險人，雖然買了保險，仍要小心駕駛、注意行車安全，避免意外事故發生。
- 比較常見的自負額選擇有哪些?
- 投保車體損失險甲式或乙式，自負額選擇基本自負額3000/5000/7000時，當被保險汽車發生承保範圍之損失時，被保險人均應按實際修理費用負擔基本自負額。且基本自負額將隨出險次數而遞增，第一次新台幣3,000元，第二次新台幣5,000元，第三次（含）以後新台幣7,000元。
汽車竊盜損失險亦有自負額的規定。除基本自負額10%外，被保險人亦得選擇較高之自負額。當然，較高之自負額，其保險費亦將相對的降低。 - 強制責任保險可以隨時辦理退保嗎？
- 依據【強制汽車責任保險法】第21條規定，除有下列情事之一者外，要保人不得終止保險契約：
一、被保險汽車之牌照已繳銷或因吊銷、註銷、停駛而繳存。
二、被保險汽車報廢。
三、被保險汽車因所有權移轉且移轉後之投保義務人已投保本保險契約致發生重複投保情形。 - 強制險要辦理退保時應提供哪些資料？
- 如符合強制險可以申請退保之條件請提供下列文件辦理：
●批改申請書(由本公司提供)
●請依牌照已繳銷、報廢、因吊銷、註銷、停駛而繳存或被保險汽車因所有權移轉且移轉後之投保義務人已投保強制險致發生重複投保提供相關證明文件
●要/被保人或要/被保人及代辦(如為代辦辦理)需簽章
●提供要/被保險人及代辦(如為代辦辦理)之身分證明文件
●要保人匯款帳戶資料 - 如果投保後，保單資料有異動(如通訊地址、車號變更)，或發現資料誤植(如出生年月日、聯絡資訊)，要如何辦理更正?
- 可透過本公司網站下載批改申請書，填寫完簽章後，至本公司各營業處所就近辦理，或與本公司聯繫採通信方式辦理，或於本公司官網最上方，點選
「聯絡我們」留下你的問題及聯絡方式，將由專人聯繫及協助。 - 申請強制險應具備哪些文件？
What documents are required to apply for compulsory insurance？ - 如果你是保戶：行照、駕照、車主印章、駕駛印章、警方登記聯單正本。
如果你是傷者：煩請準備身分證、行照、駕照、印章、警方登記聯單正本、存摺、所有診斷書正本或副本、所有醫療單據正本或副本。
If you are the policyholder：
Please prepare the following documents：
● Vehicle registration
● Driving license
● Vehicle owner's stamp
● Driver’s stamp
● Original police accident report
If you are the injured party：
Please prepare the following documents：
● National ID card
● Vehicle registration
● Driving license
● Personal stamp
● Original police accident report
● Bankbook
● All original or photocopies of medical diagnosis reports
● All original or photocopies of medical receipts - 申請車體險應具備哪些文件？
What documents are required to file a claim under vehicle damage insurance？ - 行照、駕照、車主印章、駕駛印章、警方登記聯單、相關現場事故資料。
● Vehicle registration
● Driving license
● Vehicle owner's stamp
● Driver's stamp
● Police report or accident report form
● Relevant accident scene information or photos of the accident scene (or Related on-site accident data) - 申請任意險應具備哪些文件？
What documents are required for a voluntary motor insurance application？ - 行照、駕照、車主印章、駕駛印章、警方登記聯單、相關現場事故資料。
●Vehicle registration
●Driving license
● Vehicle owner's stamp
● Driver's stamp
● Police accident report (or Police incident report)
● Relevant accident scene information (or Related on-site accident data) - 申請竊盜險應具備哪些文件？
What documents are required to file a claim under vehicle theft insurance？ - 行照、駕照、車主印章、駕駛印章、警方失竊證明聯單。
● Vehicle registration
● Driving license
● Vehicle owner's stamp
● Driver's stamp
● Police theft report or Police-issued theft certificate - 申請理賠後多久會收到賠款？
What is the typical timeframe for insurance claim payouts? - 強制險：文件齊全後十個工作日。
責任險：依和解書約定日期。
● Compulsory automobile liability insurance：The compensation will be issued within 10 working days after all required documents are received.
● Liability Insurance：The date of compensation will be issued on the date agreed upon in the settlement agreement. - 在停車場發生事故如何處理？如果報警警察會到現場嗎？
How should I handle an accident that occurs in a parking lot？ Will the police come to the scene if I call the incident？ - 二車事故警方會至現場處理但不做責任研判。自撞事故依各地警方作業並無統一規定，一般轄區派出所會到現場做紀錄，但不會開立證明文件（保戶需提供警方處理單位及員警姓名供保險公司查證）。
In the event of a traffic accident, the police will arrive at the scene to handle the situation but will not determine fault. For single-vehicle (self-inflicted) accidents, procedures vary depending on local police protocols. Normally, the local precinct will arrive to document the incident, but they will not issue any official certification. The policyholder must provide the name of the police department and the responding officer for the insurance company to verify. - 事故發生超過5個工作天，才要申請理賠可以嗎？強制險理賠超過二年可以申請嗎？
Can I file an insurance claim more than five business days after the accident occurred？Can I still make a claim under the compulsory automobile liability insurance if it’s been more than two years since the accident？ - 於二年請求時效內提出理賠申請皆可，逾期則無法申請。
As long as the claim is filed within the two-year statute of limitations, it's okay. If it's past that period, you won't be able to file a claim. - 事故當下是否要送鑑定？衍生的費用是否有理賠？
Do I need to get the vehicle inspected immediately after the accident? And will the insurance cover any related costs that come up？ - 目前交通隊針對交通事故有免費肇事責任研判（初步分析研判表），如保戶對研判內容無法接受，才需自行付費申請鑑定。
Currently, the traffic division offers a free preliminary analysis to determine fault in traffic accidents. If the policyholder does not agree with the assessment, they will need to apply and pay for an official evaluation independently. - 與貴公司保車發生事故，要申請強制險要準備哪些文件(受傷及死亡)？
In the event of an accident involving my insured vehicle, what documents are required to file a claim under the compulsory insurance for injury or death？ - 傷害醫療費用給付：
● 理賠申請書（表格由保險人提供）。
● 請求權人身分證明。
● 警憲機關處理證明或其他相關證明文件。
● 合格醫師診斷書及視需要之病歷相關資料。
● 就診之合格醫療院所開立之醫療費用收據或影本加蓋與正本相符及醫療機構收據專用章。
● 同意查閱病歷聲明書。
死亡給付：
● 理賠申請書（表格由保險人提供）。
● 請求權人身分證明。
● 警憲機關處理證明或其他相關證明文件。
● 相驗屍體證明書或合格醫師開立之死亡證明書，及視需要之病歷相關資料。
● 請求權人於受害人死亡後所申領之全戶戶籍謄本。
*表格可至車險理賠相關文件下載區下載
Medical Expense Compensation (for injuries)：
To file a compulsory insurance claim for injury-related medical expenses, please prepare the following documents：
● Claim application form (provided by the insurance company).
● Proof of identity of the claimant.
● Police or traffic authority report, or other relevant supporting documents.
● Medical certificate issued by a qualified physician and related medical records if needed.
● Original or copy of medical expense receipts issued by an accredited medical institution, stamped as a certified true copy and bearing the institution’s official receipt seal.
● A signed authorization form allowing the insurance company to review medical records.
Death Compensation:
For a claim related to death resulting from the accident, the following documents are required:
● Claim application form (provided by the insurance company).
● Proof of identity of the claimant.
● Police or traffic authority report, or other relevant supporting documents.
● Autopsy certificate or death certificate issued by a qualified physician, along with relevant medical records if needed.
● Full household registration transcript (showing all household members), issued after the victim’s death.
Application forms can be downloaded from the Car Insurance Claims Documents section on the insurer’s website. - 出險後保險公司多久會去勘車？
How long does it usually take for the insurance company to inspect the vehicle after an accident is reported？ - 經車廠估價完成通知理賠24小時內（假日順延）。
The insurance company will inspect the car within 24 hours after getting the estimate from the repair shop, excluding weekends and holidays. - 駕駛人只有國際駕照，這樣算有駕照嗎？發生事故時，駕照吊扣，算有駕照嗎？
If the driver only has the international driving license, does that count as having a valid license？ If the driver’s license was suspended at the time of the accident, does that still count as having a valid license？ - 依監理站互惠條件認定。駕照吊扣視為無照。
The validity of an international driver’s license is determined based on reciprocity agreements recognized by the motor vehicle authority. A suspended license is regarded as the same as not holding a valid license. - 公司車投保任意險（車體、第三人責任險）發生事故，但事故駕駛非公司聘僱員工，也沒有投保車體免追償，這樣可以理賠嗎？
The company vehicle is insured with optional coverage (including vehicle damage and third-party liability). If an accident happens but the driver isn’t a company employee and the policy doesn’t include waiver of subrogation, can the claim still be approved？ - 經被保險人同意使用車體險賠付後跟駕駛人代位，第三人任意責任險只需保戶同意即可理賠。
With the insured's consent, the vehicle damage claim can be paid first, and the insurer will then seek subrogation from the driver. For third-party liability under optional insurance, compensation can be made as long as the policyholder agrees. - 強制險可理賠什麼項目？檢附的收據金額和公司審核下來的差距太多了。
Could you please clarify what expenses are covered under the compulsory insurance? There seems to be a big difference between the total amount on the receipts I submitted and the amount approved for reimbursement. - 強制險並非全額實支實付，必須依照醫療收據按強制汽車責任保險給付標準給付。
Compulsory insurance doesn’t reimburse the full amount of actual expenses. Payments are made based on the standard compensation rates set under the Compulsory Automobile Liability Insurance guidelines. - 查證肇事責任要多久？
How long does it usually take to verify or determine liability in a traffic accident？ - 依警方登記聯單注意事項所載初步分析研判表需一個月以上。目前本公司針對查證結果會發送簡訊通知。
According to the notes on the police accident report form, the preliminary fault assessment usually takes over a month. Currently, our company will send a text message notification once the investigation results are available. - 發生事故地點為出差地，可否回居住地再申請？
The accident occurred while I was away on a business trip. May I file the claim after I return to my place of residence？ - 依保戶方便，就近至本公司理賠服務據點(理賠服務→車險理賠→理賠服務人員)辦理理賠。
For your convenience, you can visit the nearest claims service center (under Claims Services → Auto Insurance Claims → Claims Representatives) to file your claim. - 『足額保險』、『不足額保險』、『超額保險』意義為何？對被保險人有什麼影響？
- 保險契約中之保險金額與保險價額一致者，稱為足額保險，亦稱為全部保險。所謂保險金額，為要保人與保險人約定，並經訂明於保險單上，而為保險人承擔保險責任最高限額之一項金額。保險價額，則為保險標的之價值，以金錢表示之數額。理論上，財產保險之保險金額，應與保險價額一致，但保險金額低於或高於保險價額之情形亦時常發生，構成所謂不足額保險，及超額保險之問題。
在保險事故發生時，若為足額保險，則保險人依實際損失程度全部給予補償。保險契約中之保險金額低於保險價額者，謂之不足額保險，亦稱部份保險，在保險事故發生時，若為不足額保險，則保險人只能按保險金額佔保險價額之比例來補償。被保險人之實際損失，對保險價額不足部份，視為被保險人自己保險。
超額保險，顧名思義乃為保險契約中之保險金額超過保險價額。超額保險由於不符損害填補原則，使被保險人有機會因保險事故之發生，獲得超過其損失的利益，故為保險法所禁止。