You hit a scooter that turned right against the rules, or it hit you. Whether they have third-party liability decides if an insurance company even comes into the room. It does not decide that you're fully at fault, or that they are. The insurer will still look at the preliminary table, the dashcam, and the policy, including what it won't cover, like drunk driving or doing it on purpose.
They say they have insurance, go talk to them. You still keep your own evidence. That insurer sits on the other side of their contract. They are not your lawyer.
What you can do first
- 01Get their insurer's name and the policy number. Write it in your own notes.
- 02Save your estimate and your diagnosis somewhere else. Don't leave them only in their group chat.
- 03If the clause says something isn't covered, mark it before you decide to claim against the person directly.
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.