Skip to content
AUTOBROAutobro

Insurance · 2026-03

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.

No second car doesn't mean it wasn't a traffic accident. Compulsory insurance usually doesn't fix your car, and it doesn't cover you as the driver.

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.
A picture of the kind of moment. Not a photo from that case.

If the vehicle was in use and something happened, it's mostly still treated as a traffic accident, other car or not. Someone hurt: call the police and get them to a hospital. Whether your car gets repaired depends on whether your own-damage wording covers hitting something alone or rolling over, and on whether you bought the broad collision cover, the narrower one, or a cap.

You hit a bridge pier or a guardrail, and the public property can be claimed from you on its own. That is not a line your own-damage policy just pays. Photograph it, see if anyone is hurt, then call the insurer.

No second car doesn't mean it wasn't a traffic accident. Compulsory insurance usually doesn't fix your car, and it doesn't cover you as the driver.
A picture of the kind of moment. Not a photo from that case.

What you can do first

  1. 01Get people out of the lane. If someone's hurt, call 119 and 110.
  2. 02Find the lines on a solo impact, a rollover, and the deductible.
  3. 03Photograph the guardrail or the signal on its own. Don't mix it into one estimate with your bumper.

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 · A lawyer's fee inside a policy, and hiring someone yourself, are not the same thing.

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.