我國自實施新制『強制汽車責任保險法』迄今已近二十年，使汽車交通事故所致傷害或死亡之受害人，迅速獲得基本保障。此為我國政策性保險，屬公辨民營之業務，故保險人經營此項目之方式受到法律限制之規範。保險人以共保聯營之方式作為經營此項目風險分散之技術，本文以此探討研究，解析現行共保聯營之現況、運作模式及運作效益分析，並基於實務作業之觀點擬具建議。 It has been almost two decades since Taiwan started to enforce the new system of the “Compulsory Automobile Liability Insurance”. The enforcement has allowed the injured or deceased victims of automobile traffic incidents to be able to quickly acquire basic protection. This kind of national policy insurance is classified as a government-sponsored private business, so the method adopted by insurers for this business shall be bound by law. Hence, many insurers use co-insurance pools for the Compulsory Automobile Liability Insurance in an attempt to disperse their risk. This paper explores, studies and analyzes the current co-insurance pool status, operation models and operation effects, and provides recommendations from the standpoint of practical operation.
