眾律國際法律事務所

強制汽車責任保險法之罰則規定 / 律師 吳英志  總編輯法學博士范國華主持律師

關於強制汽車責任保險法罰則條款之規定，見於該法第48條、49條、50條及51條，一一臚列如下：

第48條

保險業違反第八條第一項規定者，由主管機關處新臺幣三百萬元以上一千

五百萬元以下罰鍰。

保險人違反第十八條第一項或第二十條規定者，由主管機關處新臺幣二十

萬元以上一百萬元以下罰鍰。

保險人違反第四十五條第四項、第四十七條第一項、第二項或依第三項所

定辦法中有關本保險之會計處理與業務財務資料陳報、各種準備金提存、

保管、運用、收回及移轉之規定者，由主管機關處新臺幣六十萬元以上三

百萬元以下罰鍰。

保險人違反第十五條、第十九條第一項、第二項或依第四十六條所定辦法

中有關正確記載承保資料、辦理理賠或第十五條通知方式之規定者，由主

管機關處新臺幣六萬元以上三十萬元以下罰鍰。

主管機關為前四項處分時，得命其限期改正，屆期未改正者，按次處罰，

並得視情節輕重為下列處分：

一、命其解除經理人或職員之職務。

二、解除董事、監察人職務或停止其於一定期間內執行職務。

三、停止於一定期間內接受本保險之投保。

四、撤銷或廢止經營本保險之許可。

An administrative fine of not less than NT$3 million and not more than NT$15 million shall be imposed by the competent authority for violation of Article 8, paragraph 1 by an insurance enterprise.

An administrative fine of not less than NT$200,000 and not more than NT$1 million shall be imposed by the competent authority for violation of Article 18, paragraph 1 or Article 20 by an insurer.

An administrative fine of not less than NT$600,000 and not more than NT$3 million shall be imposed by the competent authority for violation by an insurer of Article 45, paragraph 4 or Article 47, paragraph 1 or 2, or violation of the regulations to be adopted pursuant to Article 47, paragraph 3 governing the following matters as they relate to this insurance: accounting treatment; the reporting of operational and financial information; and the provisioning, custody, utilization, withdrawal, and transfer of the various reserves.

An administrative fine of not less than NT$60,000 and not more than NT$300,000 shall be imposed by the competent authority for violation by an insurer of Article 15; violation of Article 19, paragraph 1 or 2; violation of the regulations to be adopted pursuant to Article 46 governing accurate keeping of records on insurance coverage and handling of claims adjustment; or violation of the Article 15 provisions regarding notification.

When issuing a disposition pursuant to the preceding four paragraphs, the competent authority may order the violator to make rectification within a specified period; when the insurer fails to make rectification by the end of the period, the competent authority may issue an administrative fine for each successive instance of failure, and may also render the following dispositions based on the severity of the violation:

1.Order the violator to dismiss managers or staffers from their positions.

2.Dismiss directors or supervisors from their positions or suspend them from execution of the duties of those positions for a specified period.

3.Suspend the writing of new business for this insurance for a specified period.

4.Void or revoke the insurer's permission to provide this insurance.

第49條

投保義務人未依本法規定訂立本保險契約，或本保險期間屆滿前未再行訂

立者，其處罰依下列各款規定：

一、經公路監理機關或警察機關攔檢稽查舉發者，由公路監理機關處以罰

    鍰。為汽車者，處新臺幣三千元以上一萬五千元以下罰鍰；為機車者

    ，處新臺幣一千五百元以上三千元以下罰鍰。

二、未投保汽車肇事，由公路監理機關處新臺幣六千元以上三萬元以下罰

    鍰，並扣留車輛牌照至其依規定投保後發還。

依前項規定所處罰鍰，得分期繳納；其申請條件、分期期數、不依期限繳

納之處理等事項之辦法，由中央交通主管機關會同主管機關定之。

The penalty for a party with the duty to insure who fails to establish a contract for this insurance as provided herein, or fails to establish another such contract prior to the expiry of the policy period for this insurance, shall be as below:

1.When discovered at a roadside check and reported by a highway supervisory or police authority, an administrative fine will be imposed by the highway supervisory authority. For an automobile, an administrative fine of not less than NT$3,000 and not more than NT$15,000 shall be imposed; for a motorcycle, an administrative fine of not less than NT$1,500 and not more than NT$ 3,000 shall be imposed.

2.When an uninsured automobile causes an accident, a highway supervisory authority will impose an administrative fine of not less than NT$6,000 and not more than NT$30,000, and will impound the automobile license plate and return it after the automobile is insured as required.

Administrative fines under the preceding paragraph may be paid in installments. The central competent authority for transportation and communications in conjunction with the competent authority shall adopt regulations governing related matters including the conditions for applying, numbers of installments, and handling of failure to pay by the deadline.

第50條

公路監理機關於執行路邊稽查或警察機關於執行交通勤務時，應查驗保險

證。對於未依規定投保本保險者，應予舉發。

投保義務人接獲違反本保險事件通知單後，應於十五日內到達指定處所聽

候裁決；屆期未到案者，公路監理機關得逕行裁決之。但投保義務人認為

舉發之事實與違規情形相符者，得不經裁決，逕依公路監理機關所處罰鍰

，自動向指定之處所繳納結案。

Certificates for this insurance shall be inspected by highway supervisory authorities during roadside checks and by the police when engaged in traffic duties; instances where this insurance has not been taken out as required shall be reported.

Upon receipt of a notice of a violation of this insurance, a party with the duty to insure shall within 15 days appear at the designated location to receive a decision; when said party has failed to appear by the end of that period, the highway supervisory authority may issue a default decision, provided that when the party with the duty to insure acknowledges that the facts of the violation are as stated in the notice, said party may directly pay the administrative fine imposed by the highway supervisory authority at the designated site without waiting for a decision, and the case will then be closed.

第51條

依本法所處之罰鍰未繳納前，公路監理機關不予受理應訂立本保險契約之

汽車辦理換發牌照、異動登記或檢驗。

前項罰鍰經限期繳納，屆期未繳納者，依法移送強制執行。

Prior to the payment of an administrative fine issued pursuant to this Act, a highway supervisory authority will not process any license re-issuance, register an alteration [of registered particulars], or handle inspection for an automobile for which establishment of a contract for of this insurance is required.

Compulsory execution procedures will be initiated in accordance with the law for failure to pay the administrative fine referenced in the preceding paragraph within the prescribed period.

前開罰則構成要件之條文內容，摘錄如下，請自行參酌：

第8條第1項

本法所稱保險人，指經主管機關許可，得經營本保險之保險業。

In this Act, "insurer" refers to an insurance enterprise to which the competent authority has granted permission to provide this insurance.

第15條

保險人應於保險期間屆滿三十日前通知要保人續保，其怠於通知而於原保

險期間屆滿後三十日內發生保險事故者，如要保人辦妥續保手續，並將其

始期追溯自原保險期間屆滿之時，保險人仍須負給付責任。

An insurer shall notify a proposer to renew the insurance 30 days prior to the expiry of the policy period.When an insurer fails to provide such notification and an insured peril occurs within 30 days after the expiry of the original policy period, the insurer shall still be liable for payment of insurance benefits if the proposer completes renewal procedures and extends the beginning of the policy period retroactively to the expiry of the original policy period.

第18條

除要保人未交付保險費或有違反前條規定之據實說明義務外，保險人不得

拒絕承保。

保險人依前項規定拒絕承保時，應於接到要保書之日起十日內以書面為意

思表示；屆期未以書面表示者，視為同意承保。

An insurer may not refuse to extend insurance coverage, except when a proposer has failed to make premium payments or has violated the duty of truthful representation under the preceding article.

When an insurer intends to refuse coverage as provided in the preceding paragraph it shall make a written expression of intention within 10 days of receiving the insurance proposal; when it has provided no such written expression by the end of that period, it will be deemed to have agreed to extend insurance coverage.

第19條

保險人於本保險契約成立後，應將載有保險條款之文書、保險證及保險標

章交予要保人。

保險人應於本保險契約成立後四個工作日內，將承保資料傳輸至主管機關

及中央交通主管機關指定之機關（構）。

保險證上記載之被保險人、保險期間、被保險汽車及保險證號碼有變更時

，要保人應通知保險人更正。

After establishing a contract for this insurance, an insurer shall issue a document containing the policy provisions, an insurance card, and an insurance sticker to the proposer.

Within four working days after establishing a contract for this insurance, the approved particulars shall be transmitted by the insurer to the agencies (organizations) designated by the competent authority and the central competent authority for transportation and communications, respectively.

When the insured, the policy period, the insured automobile, or the insurance card number listed on the insurance card is changed, the proposer shall notify the insurer to update such information.

第20條

保險人不得解除保險契約。

除有下列情事之一者外，保險人不得終止保險契約：

一、要保人違反第十七條之據實說明義務。

二、要保人未依約定交付保險費。

保險人依前項規定終止保險契約前，應以書面通知要保人於通知到達後十

日內補正；要保人於終止契約通知到達前補正者，保險人不得終止契約。

保險契約終止，保險人應於三日內通知被保險汽車之轄屬公路監理機關、

主管機關及中央交通主管機關指定之機關 (構) 。

保險人應返還要保人終止契約後未到期之保險費；保險費未返還前，視為

保險契約存續中。

An insurer may not rescind an insurance contract.

An insurer may not terminate an insurance contract, except under one of the following conditions:

1.The proposer has violated the duty of truthful representation under Article：17.

2.The proposer has not made premium payments as stipulated.

Prior to terminating an insurance contract as provided in the preceding paragraph, an insurer shall notify the proposer in writing to make rectification within 10 days after its receipt of the notice; if the proposer makes rectification at any time prior to receipt of a notice of termination of the contract, the insurer may not terminate the contract.

When an insurance contract is terminated, the insurer shall give notice within three days to the highway supervisory authority with jurisdiction over the insured automobile, and to the agencies or organizations designated by the competent authority and the central competent authority for transportation and communications, respectively.

The insurer shall return to the proposer any unearned premium for the period after termination of the contract; the insurance contract shall be deemed to be in effect prior to return of the premium.

第45條

本保險費率，由主管機關會同中央交通主管機關擬訂，提經社會公正人士

組成之費率審議委員會審議通過後發布之。

前項費率擬訂工作，得委託適當專業機構辦理。

保險費率之訂定，以兼採從人因素及從車因素為原則。但得視社會實際情

形擇一採用之。

保險人應依主管機關會同中央交通主管機關依第一項規定發布之保險費率

計收保險費。

主管機關得委託專業機構辦理保險費及其他相關資訊之查詢服務。

Premium rates for this insurance shall be formulated by the competent authority in conjunction with the central competent authority for transportation and communications and submitted to a premium rate review board composed of fair and impartial members of society for passage, after which they are issued.

The formulation of premium rates under the preceding paragraph may be entrusted to an appropriate professional institution.

In setting insurance premiums, consideration shall in principle be given to both personal and vehicular factors, provided that one or the other may be selected for use in view of actual societal circumstances.

Insurers shall calculate and collect premiums on the basis of the premium rates issued by the competent authority in conjunction with the central competent authority for transportation and communications as provided in paragraph 1.

The competent authority may engage a professional institution to provide public information services on premiums and other relevant matters.

第46條

保險人經營本保險，應正確記載承保資料及辦理理賠；承保資料應記載內

容、理賠程序與第十五條通知之方式及其他應遵行事項之辦法，由主管機

關定之。

An insurer that provides this insurance shall keep accurate records on the insurance coverage it extends and shall correctly handle claims adjustment; regulations governing required particulars of information on insurance coverage, claim adjustment procedures, the method for notification under Article：15, and other matters for compliance shall be adopted by the competent authority.

第47條

保險人應設立獨立會計，記載本保險之業務及財務狀況。

保險人辦理本保險之保險費，屬於第四十四條第一項第一款規定之預期損

失者，應專供本保險理賠及提存各種準備金之用，其預期損失與實際損失

之差額，應提存為特別準備金，除因調整保險費率、調高保險金額、彌補

純保險費虧損或依第三項所定辦法處理外，不得收回、移轉或供其他用途

。

保險人辦理本保險之會計處理與業務財務資料陳報、各種準備金之提存、

保管、運用、收回、移轉及其他應遵行事項之辦法，由主管機關會商中央

交通主管機關定之。

An insurer shall establish independent accounting to record the operational and financial status of this insurance.

The premium of this insurance which belongs to the expected losses referenced in Article 44, paragraph 1, subparagraph 1 shall be used exclusively for purposes of claims under this insurance and for setting aside of the various reserves. The difference between the expected losses and actual losses shall be set aside as special reserve, and may not be withdrawn, transferred, or used for any other purpose, except adjustment of premium rates, raising of insured amounts, covering a pure premium loss, or treatment pursuant to the regulations adopted under paragraph 3.

Regulations governing accounting treatment, the reporting of operational and financial information, the provisioning, custody, utilization, withdrawal, and transfer of the various reserves, and other matters for compliance by an insurer when handling this insurance shall be adopted by the competent authority in consultation with the central competent authority for transportation and communications.