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GOVERNMENT INSURANCE FOR PUBLIC BIKES BY JUNE|立院要求金管會 6月前推公共自行車保單

Good Morning Taiwan
2017-03-20
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Last week, the legislature passed a new law that mandates government-provided insurance for public bikes. Details will be finanlized by June and is expected to cover both personal injury and third party liability.

UBike riders are often seen riding bikes alongside pedestrians on sidewalks, which could easily lead to bike-pedestrian collisions. The Legislative Yuan has, therefore, demanded that the Financial Supervisory Commission come up with a national scheme of personal injury insurance and third party liability insurance for public bikes.

==MS. LIN pedestrian==
Bike riders should not ride on sidewalks. It is dangerous to watch out for bike riders while holding a child.

==MR. YANG UBike Rider==
Providing some more insurance for us and the pedestrians is excellent.

==Ms. DU, UBike Rider==
It sounds pretty good, but we should still watch out for safety.

The insurance scheme requires all users to provide their real names, which UBike users have already provided for registration with the system. The scheme will include NT$1 million of injury insurance and NT$2 million third party liability insurance against public bike accidents. The FSC stated that insurance policies will be provided once operators confirm their insurance payment method.

==SHIH CHIUNG-HWA Dep. Dir-Gen., Insurance Bureau==
The average rental time is around half a day. Our plan is to charge NT$1 for 3-4 hours.

However, many public bike riders are under 15 years of age AND according to the Insurance Act, are not covered in the event of deaths in public bike accidents. They can only claim for injury and for hospitalization.

Transalted By LUKE CHIANG

立法院上週通過全國公共自行車保險制度,並要求金管會最慢要在6月推出保單內容,提供給各縣市政府。目前初步的保單內容分為兩類,100萬的個人傷害險,以及200萬的第三人責任險,提供給公共自行車騎士不慎撞傷他人,或發生車禍意外時的保障。

騎著UBike當做接駁工具好方便,不過有些路段、擔心騎到馬路上會危險,所以常常可以看見自行車騎士騎到人行道上面,與行人爭道,一不小心就會發生擦撞危險,導致雙方都可能受傷。因此立法院通過提案,要求金管會最慢在6月前,推出全國版"公共自行車傷害險及公共自行車第三人責任險"保單。

==行人 林媽媽==
我覺得他不要騎上去就好了
牽著小朋友我還要閃他
是有點危險

==公共腳踏車騎士 楊先生==
幫我們多些保障
和路人多一些保障 那是不錯的
==公共腳踏車騎士 杜同學==
那是很好啦
(騎士)但是還是要
自己要注意小心安全

公共自行車保險必須採用實名制,持悠遊卡在台北市租UBike,就是實名制,已解決投保問題。保險內容,第一個部份是發生車禍受傷時的傷害險,最高死殘理賠100萬。第二個部份是,保障騎車不慎撞傷他人的第三人責任險,最高事故理賠200萬元。金管會保險局表示,目前只要業者確定投保繳費方式,就可以將保單提供給全台各縣市政府。

==金管會保險局副局長 施瓊華==
(個人傷害險)每一次大概
一般人騎程都是半天左右
我們大概規劃應該是
三、四個小時大概是1塊錢(保費)
這樣子

不過目前公共自行車騎士,有很多中小學生,根據保險法第107條規定,15歲以下孩童騎乘公共自行車發生意外,公共自行車傷害險不會賠付死亡保險金。但受傷醫療還是可以理賠,並同樣享有每日住院醫療1千元的保障。

記者李志華 吳嘉堡 台北報導