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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/87367

    Title: 兩岸強制汽車責任保險理賠制度之研究
    Other Titles: A study on claim system of cross-strait compulsory automobile liability insurance
    Authors: 劉聖文;Liu, Sheng-Wen
    Contributors: 淡江大學保險學系保險經營碩士在職專班
    高棟梁;Kao, Tong-Liang
    Keywords: 強制汽車責任保險;理賠作業流程;受害人;保險給付;Compulsory Automobile Liability Insurance;claims processes;victims;insurance benefits
    Date: 2012
    Issue Date: 2013-04-13 11:00:00 (UTC+8)
    Abstract: 論文提要內容:
    The "Compulsory Automobile Liability Insurance" implementation has over 14 years in Taiwan. The establishment of the information exchange platform makes the supervision, police authorities and the insurers connect together, so that the statistical information of the compulsory insurance could be fully present. But, it is hard to achieve a fair and flawless compensation to the injured parties due to the limitations of enumerative payment policy which stating a claimant may claim insurance benefit whether the injuring party is at fault different standards in determining disability levels, etc.
    Because of the vast territory, the various folk customs, and the difference of economic circumstances between inland and coastal areas of Mainland China, the Chinese government should not use only one set of rule to implement the compulsory automobile liability insurance systems. Also, for better compulsory automobile liability insurance system, the Chinese government should cancel the model of business operation and the payment of property losses, consider the addition to premium rate associate with human factors, and create the information platform as soon as possible.
    This study analyzes and compares the difference of Compulsory Automobile Liability Insurance’s claim system and operating procedure between Taiwan and China, and points out the two policies’ pros and cons. It further examines and corrects the irrelevant standards for the tiers, amount, and contents for the benefits. Finally, it provides practical recommendations in hopes of this compulsory automobile liability insurance system could function well in both Taiwan and China, and truly compensate the injured victims in automobile traffic accidents that result ininjury or loss of life.
    Appears in Collections:[保險學系暨研究所] 學位論文

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