Scooter compulsory insurance pays for other people's injury or death. It doesn't fix your shell, and it usually doesn't cover you as the rider. Third-party liability is what may deal with a car you hit, or injury past the compulsory cap. Own-damage on a scooter is less common. Some of it is a cap, or only certain crashes. Injury cover for the rider follows its own wording. It is not the compulsory policy.
Limits, deductibles, and what they won't pay jump around. If someone says full cover, ask them to point at the clause. I'm not shopping the companies for you.
What you can do first
- 01Circle the compulsory expiry on the insurance card.
- 02Third-party liability or not: read the cover page. Don't go by memory.
- 03When something happens you still report it and keep the video. Insured doesn't mean you skip the evidence.
Related text. The link leaves this site for the official database or the agency.
Rewritten in my own words. Not a judgment and not a law firm's article. If a number shows up, it belonged to that public discussion, not to you. Check the Judicial Yuan judgment system. These started as public discussions of car crashes. I rewrote them here. Not a law firm's article.
I'm not a lawyer, and I'm not a mediator. I can't decide this for you. The statute that counts is the one still in force. Judgments live on the Judicial Yuan site.