強制汽車責任保險法

This provision states the law’s purpose: to help victims of automobile traffic accidents quickly obtain basic protection and to maintain road traffic safety.

This provision defines “wrongdoer” and “victim” for car-accident cases.

This provision defines who may claim insurance benefits or compensation after a motor vehicle accident and lets the competent authority set and announce funeral-expense items and amounts.

This article defines when a motor vehicle counts as an insured vehicle or an uninsured vehicle under the law.

This provision defines “motor vehicle traffic accident” as an accident caused by using or controlling a motor vehicle that injures or kills a passenger or a third person outside the vehicle.

保險給付請求權原則上從知道損害與保險人起，兩年內不行使就消滅；車禍發生後超過十年也同樣消滅。

保險人應在保險期間屆滿前30日通知要保人續保。

車主在申請牌照或臨時通行證前，應先向保險人按每輛車申請訂立本保險契約；公路監理機關對未投保或保險不足三十日的車輛，不得辦理發照、換照、登記或檢驗。

要保人在申請訂立本保險契約時，必須如實說明指定事項。

An insurer generally may not refuse underwriting, except when the applicant has not paid the premium or has violated the truthful disclosure duty in the previous article.

保險人要在保險契約成立後，把含保險條款的文件和保險證交給要保人，並在四個工作日內把承保資料傳送給主管機關及其指定機關（構）。如果保險證上的資料變更，要保人要通知保險人更正。

This provision says compulsory automobile liability insurance is referred to as “this insurance,” and that the Act applies first, with the Insurance Act applying where this Act has no rule.

保險人原則上不得解除或終止保險契約；只有在要保人違反據實說明義務或未依約交付保險費時，才可終止，且須先書面通知並給予十日補正機會。

要保人原則上不得解除或終止保險契約；但在車牌繳銷、車輛報廢，或因所有權移轉而發生重複投保時，例外可終止。

If the same insurance is duplicated, the insured person or the later-effective insurer may cancel the later contract; the same rule also applies after a motor vehicle accident.

車輛所有權移轉時，先辦理保險契約訂立或變更手續；停駛中車輛過戶不在此限。

保險相關通知和變更保險契約的申請，原則上都要用書面；保險人對相關通知或同意變更保險契約也一樣。

保險人要在交通事故發生且文件齊備後，於十個工作日內向請求權人支付保險給付；若可歸責於保險人而逾期，還要自期限屆滿次日起付遲延利息。

本保險的保險期間，由主管機關會同中央交通主管機關按實際需要決定。

This provision lists the insurance benefit items and says the competent authority, together with the central transport authority, sets the grading, amounts, and review standards; after any amendment takes effect, the insurer must follow the revised rules for accidents that happen afterward.

如果事故是因受害人或其他請求權人的故意行為或犯罪行為造成，保險人不負保險給付責任；若有多名其他請求權人，則仍應把扣除有故意或犯罪行為者應分得部分後的餘額給付給其他請求權人。

即使被保險人有酒駕、吸毒、故意、犯罪逃避拘捕或違規駕車等情形，保險人仍要依規定理賠；但在給付金額範圍內，保險人可以代位向被保險人行使請求權。

This provision states that the competent authority for this Act is the Financial Supervisory Commission.

如果請求權人與被保險人之間的和解、拋棄或其他約定，會妨礙保險人依前條代位行使權利，而且未經保險人同意，該約定不拘束保險人。

汽車事故發生後，如果被保險人已先賠一部分，保險人原則上只需在法定保險金額扣除已賠部分後的餘額內給付；但若請求權人與被保險人另有約定不扣除，則依約定。

保險人依本法支付的保險給付，會被視為被保險人損害賠償金額的一部分；被保險人在被請求賠償時，可以扣除該保險給付。

If a motor vehicle accident is caused by a third party other than the insured person, the insurer may, after paying insurance benefits, pursue the insured person’s claim against that third party.

交通事故發生時，被保險人或加害人要先救護受害人、立即通知警憲機關，並在5日內書面通知保險人；相關人也要配合提供資料。

A claimant may ask for a provisional insurance payment after a car accident death or disability, and the insurer must pay within 10 working days after proof is submitted.

A claimant may seek joint insurance payment, special compensation fund compensation, or both, depending on whether the accident vehicles are insured vehicles, vehicles covered by Article 40(1), or a mix of both.

請求保險給付時，保險人不得因請求權人另有其他種類保險而拒絕或減少給付。

A special compensation fund must be set up for motor vehicle traffic accident victims, with separate accounting by vehicle type as a basis for rate calculation.

The special compensation fund comes from several listed sources, including a premium share, subrogation recoveries, interest, other specified income, and other income.

主管機關為調查相關業務時，可以向保險人、警政、交通監理及其他相關機關（構）要求提供資料。

車禍後，符合特定情況而無法向保險人請求保險給付的人，可以在法定保險金額範圍內向特別補償基金請求補償。

If an uninsured vehicle, or a vehicle not required to enter this insurance contract, is in a traffic accident, Article 34 applies mutatis mutandis.

特別補償基金支付補償後，可以代位向損害賠償義務人請求，但請求金額以已補償金額為限。

請求權人與損害賠償義務人的和解、拋棄或其他約定，若會妨礙特別補償基金代位請求且未經基金同意，基金不受拘束。若請求權人已先取得賠償，基金補償時應先扣除；未扣除的，基金可在應扣除範圍內請求返還。

This provision lists the components of the insurance premium structure and says the competent authority, together with the central transport authority, will set and announce the ratios, amounts, and contents for those items.

保險費率由主管機關會同中央交通主管機關擬訂，經費率審議委員會審議通過後發布；保險人要依該費率計收保險費。

保險人經營本保險時，應正確記載承保資料並辦理理賠；相關記載內容、理賠程序、通知方式及其他事項由主管機關訂定辦法。

保險人必須設立獨立會計，並將符合條件的保險費專款用於理賠與準備金提存；特別準備金原則上不得收回、移轉或作他用。

Insurer creditors whose claims were not obtained under this Act may not apply to attach the relevant insurance assets or exercise other rights against them.

保險業或保險人違反列明條文時，主管機關可裁處罰鍰，並可命限期改正，逾期未改正者得按次處罰及再採進一步處分。

投保義務人未依規定投保，或保險到期前未續保的，會依車種和情形處以罰鍰；相關罰鍰也可以申請分期繳納。

This provision defines what counts as a “motor vehicle” and lets the competent authority announce the scope and vehicle types covered.

微型電動二輪車在這裡視為汽車；投保義務人必須依規定投保，未投保時，公路監理機關不受理登記、換照或發照。

This provision requires road traffic and police authorities to check insurance certificates, report uninsured persons, and requires the insured person to appear within 15 days after notice; if they do not appear, the road authority may decide the case directly.

在依本法裁罰的罰鍰未繳清前，公路監理機關不受理相關車輛的換發牌照、異動登記或檢驗。

If the insurance obligor does not enter into the insurance contract again within six months after the insurance period ends, the competent authority may ask the highway supervision authority to cancel the license.

This provision says the rules for implementing this Act are to be prescribed by the competent authority together with the central transportation competent authority.

本法原則上自公布日施行，但民國111年5月30日修正條文的施行日期由行政院另定。

汽車所有人原則上要依本法訂立本保險契約；軍用汽車在非作戰期間也適用。若未投保，會推定由登記所有人負投保義務。某些情形下，改由使用人或管理人負投保義務，且投保義務人要維持保險契約有效，必要時要再行投保。

For injuries or deaths caused by a motor vehicle traffic accident, the claimant may request insurance benefits from the insurer or compensation from the special compensation fund, regardless of whether the wrongdoer was at fault.

“Insurer” means an insurance business approved by the competent authority to operate this insurance.

This provision defines who counts as a policy applicant and who counts as an insured person under the law.

Chapter 1 is titled “General Provisions.”

This chapter is about insurance contracts.

Section 1: Contract formation.

This section is titled “Insurance Scope.”

本節標題為「請求權之行使」。

Chapter 3: Special Compensation Fund for motor vehicle traffic accidents.

Chapter 4 concerns supervision of the insurance industry.

This is a chapter heading for penalties.

This provision is a chapter heading for the supplemental provisions chapter.