A Study on Clauses Comparison of Voluntary Automobile Liability Insurance between Taiwan and China

• Main Authors: Jui-Yu, Wu, 吳芮妤
• Other Authors: Tong-Liang Kao
• Format: Others
• Language: zh-TW
• Published: 2018
• Online Access: http://ndltd.ncl.edu.tw/handle/rwdzxt

碩士 === 淡江大學 === 保險學系保險經營碩士在職專班 === 106 === With the continuous development of the economy, automobiles have gradually become an indispensable part of people’s daily lives. Because the demand for automobiles has been increasing year by year, the number of casualties and financial losses caused by traffic accidents has increased accordingly. Therefore, the protection of automobile insurance has been paid attention more and more by the owner or custodian of automobiles. Although the purpose of compulsory automobile liability insurance is to protect the victims of accidents, from the viewpoint of protection, only the compulsory automobile liability insurance is incapable of fully compensating the victim''s losses. Insuring voluntary automobile liability insurance should be consider as a good way for additional protection of automobile liability risks. In this study, we introduce the establishment and development of automobile insurance in Taiwan and Mainland China. We compared the terms of the main policy and the endorsements or additional clauses of voluntary automobile liability insurance between Taiwan and Mainland China. The terms compared include coverages, exclusions, definition of insureds, limit of liability, payment of loss, right of direct claim, double insurance, and other importance conditions. We compared the similarities and dissimilarities of these two kinds of insurance policy terms between Taiwan and Mainland China, in order to learn each other’s advantages to improve the design of policy terms in the future.