Introducing Car Insurance

According to the "Compulsory Auto Liability Insurance Act", all automobiles and power machinery on roads are obliged to enroll in Compulsory Auto Liability Insurance, so that victims who injured, disabled or died in traffic accidents can quickly obtain basic compensation.

1. It is mandatory, as required by "Compulsory Auto Liability Insurance Act".
2. “Limited liability without fault” applies, where the injuring party, whether at fault or not, have to pay compensation to the injured party within the insured amount.
3. In the case of non-enrollment in Compulsory Auto Liability Insurance, Motor Vehicle Accident Compensation Fund will pay compensation to the injured party within the insured amount as stipulated by the Compulsory Auto Liability Insurance Act. The said compensation will later be collected from the injuring party.

Medical benefit for injury: maximum NT$200,000 per person

Maximum NT$2 million per person

Fixed payout NT$2 million per person; No compensation limit for each accident claim

The insurance company bears the liability to compensate for any loss or damage of the insured car caused by the occurrence of hazards/accidents listed in the contract.

1. Comprehensive coverage, which includes damages by unknown source.
2. Multiple options for deductibles available.
3. Free 24/7 Roadside Assistance Service available. (Service content may vary depending on insurance company regulations)

The insurance company bears the liability to compensate for any loss or damage of the insured car caused by the following hazards/accidents: 1. collision, rollover; 2. fire; 3. lightning, thunder; 4. explosion; 5. thrown or fallen objects; 6. malicious conduct by a third-party; 7.any causes outside the scope of exclusions, which are specifically listed in the insurance policy.

The insurance company bears the liability to compensate for any loss or damage of the insured car caused by the occurrence of hazards/accidents listed in the contract.

1. Same insurance coverage as Type A, but excludes damages caused by a third party’s malicious conduct or of unknown source.
2. Multiple options for deductibles available.
3. Free 24/7 Roadside Assistance Service available. (Service content may vary depending on insurance company regulations)

The insurance company bears the liability to compensate for any loss or damage of the insured car caused by the following hazards/accidents: 1. collision, rollover; 2. fire; 3. lightning, thunder; 4. explosion; 5. thrown or fallen objects.

If you find the premiums for Auto Body & Collision Repair Insurance too expensive, and yet concerned that your car is not covered in the event of a collision, then this insurance policy is for you. Not only does it come with substantially reduced premiums, but also ensures your car is fully covered in cases of car-to-car collisions.

1. Zero-deductible
2. Coverage restricted to damages caused by car-to-car collisions, with substantially reduced premiums.
3. Free 24/7 Roadside Assistance Service. (Service content may vary depending on insurance company regulations)

The insurance company bears the liability to compensate for any loss or damage of the insured car caused by collision or abrasion with another vehicle, once the other car in the incident has been identified.

If concerned with your car being stolen, auto theft insurance can put your mind at ease. This type of insurance offers full protection against auto theft.

1. 3 options of deductibles available: 0%, 10%, or 20%.
2. With supplementary insurance for Courtesy Car Payment, the insurance company will pay for your transport during the car theft period.

The insurance company bears the liability to compensate for any loss or damage of the insured car caused by theft, plundering or robbery.

Currently, Compulsory Auto Liability Insurance does not cover property liability, and there is a limit on bodily injury liability (maximum payment for death / subsequent disability NT$2 million, maximum payment for injury and medical treatment NT$200,000), so the coverage may not always be sufficient. That is where Auto Third-Party Liability Insurance comes in. With this insurance, you will be protected against the risk of causing bodily injury or property damage of a third party with your own car.

1. Supplementary to Compulsory Auto Liability Insurance, so that there is no need to worry about insufficient coverage.
2. In addition to bodily injury liability, the coverage also includes property damage liability, which is not covered by Compulsory Auto Liability Insurance. Furthermore, the insured amounts are open for negotiation.

If the insured causes death, injury, or property damage to a third party due to an accident that occurs while owning, using, or managing an insured vehicle, and is found liable for compensation according to law, the insurance company bears the liability to compensate for the damage according to the policy provisions.

In the event of single-vehicle accidents, driver's injury, subsequent cripple and death generally are not covered by Compulsory Auto Liability Insurance. Especially, if driver is the primary wage earner, such accident will devastate the whole family. Enrollment in Supplementary Driver Injury Insurance will include single-vehicle accidents, and extend coverage to driver, so that the family knows that their loved one is in safe hands.

1. In the event of single-vehicle accident, it is required to notify the police immediately. Other than that, it provides compensation for medical treatment for injury, disability, or death, same as Compulsory Auto Liability Insurance.
2. This insurance is single-vehicle accident Driver Injury Insurance, whose coverage does not overlap with the one of Passenger Liability Insurance. Therefore, policyholder can enroll in both insurance schemes at the same time, and enjoy more coverage.