| Summary: | 碩士 === 淡江大學 === 保險學系保險經營碩士在職專班 === 103 === This study initially draws the development data of the Compulsory Automobile Liability Insurance (CALI) in Taiwan. Over years’ implementation, from single-track system into dual-track system, then evolving into nowadays single-track one, the CALI act has been fully operated. Also, the insured amount has gradually increased while the insurance premium has repeatedly cut down; it not only receives public praise, but also makes the amended CALI getting perfect. On the other hand, the Compulsory Automobile Liability Insurance has come into force in China on July 1, 2006. Since the government of China introduced the insurance law, though the insured amount and the insurance premium has also adjusted these years, the problem lies to some extent in the scheme of the institution. Thus, it’s important to compare the structure of the act and the current situation and problems between both insurance policies in Taiwan and China.
This study analyzes the difference of the CALI between Taiwan and China in their foundation of liability, the insured amount, benefits items and range of coverage, and claim processing. The research divides into several comparisons according to the general situation of legislative history, related laws, coverage and claim, the setting of premium rate, and the supervisory framework. The researcher hopes to provide basic comprehension for Taiwan-funded enterprises which serve for the CALI in China. Moreover, through the comparison of both policies’ pros and cons, two laws are in hope to be improved. Finally, the study offers the conclusion and suggestion for a reference to the insurers and related staff.
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