美國與台灣自用汽車保險條款之比較研究

不管是美國還是台灣，汽車保險之業務皆占財產保險最大比重，是產險業最主要的險種。美國各州的自用汽車保險單，係採用或參考ISO自用汽車保險單的條款為依據，而台灣的自用汽車保險單係以自用汽車保險定型化契約範本為依據。本研究首先介紹美國及台灣之汽車保險制度與架構及市場經營概況，接著比較第三人責任保險、車體損失保險及其他承保範圍，包括醫療費用保險、防範未投保駕駛人保險及竊盜損失保險，之後比較條件事項，分為一般條件事項及理賠條件事項，最後比較附加條款。本研究希望藉由兩國自用汽車保險單之比較，可以為我國自用汽車保險之消費者提供更完善的保障。

關鍵字

自用汽車保險；附加條款

並列摘要

No matter in U.S.A or Taiwan, auto insurance business which is the main type of insurance in the property and casualty industry is the most primary part of property insurance. In all states, personal auto insurance policies are based on the terms of ISO personal auto insurance policies, while Taiwan personal auto insurance policies are based on the model contract for personal auto insurance. The study introduces the auto insurance system, structure and market operation overview of U.S.A and Taiwan, and then compares liability coverage, coverage for damage to your auto and other coverages, including medical payments coverage, uninsured motorrists coverage and theft loss coverage, and then compares conditional items, including general conditional items and claim conditional items, and finally compares additional terms. The study expects to provide complete protection for consumers of personal auto insurance in Taiwan by comparing those of the two countries.