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Insurance · 2026-08

You don't think it was your fault. You still can't dump the whole thing on the insurer.

The insurer handles the risk that's written in the policy. If you're the insured, you still have to tell them, and help them.

You don't think it was your fault. You still can't dump the whole thing on the insurer.
A picture of the kind of moment. Not a photo from that case.

A lot of policies want notice within a set time, plus the statement and the preliminary table. If you never pick up the phone, the claim sits there waiting for papers. It does not sit there because they were supposed to prove you did nothing wrong.

If the split goes against you, a liability policy may still pay the other side inside the limit. The contract then decides whether they come back to you for it. The deductible on own-damage, and what the policy excludes, don't disappear because you feel you were wronged.

The insurer handles the risk that's written in the policy. If you're the insured, you still have to tell them, and help them.
A picture of the kind of moment. Not a photo from that case.

What you can do first

  1. 01Write down the date you called the claim in.
  2. 02List what the insurer asked for. Mark what you still don't have.
  3. 03Take their draft home and read it. Don't agree 'that's fine' on the phone.

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.

← InsuranceNext · You dropped it, or you hit something and there was no other car. That's still an accident. Whether anyone pays depends on the own-damage you bought.

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.