Accident Fine for Uninsured Moped Drivers Raised 機車最重罰1.6萬 自小客車最高罰2.4萬

To force moped drivers to get insured, the Ministry of Transportation and Communications is increasing the accident fine for uninsured moped drivers from NT$10,000 to NT$16,000.

Although drivers are required by law to have vehicle insurance, only 82 percent of moped drivers are insured. To ensure victims get compensation, the Ministry of Transportation and Communications is raising the accident fine to a maximum of NT$16,000 for uninsured moped drivers and NT$24,000 for uninsured car drivers.

Citizen: “(Drivers) that aren't insured should be fined. (The government) shouldn't wait until they get into an accident to fine them.”

Citizen: “My friends that aren't insured had to deal with ascriptive responsibility issues when they got into accidents. ”

According to statistics, 98 percent of car drivers in Taiwan are insured. The rate is higher than for moped drivers probably because periodic inspections are required for cars. In addition to higher fines, the ministry will also be checking the insurance records of all drivers cited for traffic violations and fining those that are uninsured.

Chao Chin-wei, Section Chief, MOTC: “The Financial Supervisory Commission and Directorate-General of Highways will check the records of any driver cited for a traffic violation and fine them (if they are uninsured).”

The new regulations go into effect on Nov. 30.

國內機車事故較其他車種相對偏高，但機車強制險投保率僅有8成2。為保障交通事故時，受害者儘早獲得理賠，交通部預告修法，若是未投保而肇事，罰金將提高。汽車大型車也同步上修，機車最高可罰1萬6000元，自小客車最高可罰2萬4000元。

民眾認為：「沒有保就應該直接罰鍰了，不是說等他出了事情再來加重，這樣是不行的。」

也有民眾表示：「身邊有朋友有沒有保的案例，沒有保，後來可能就發生意外之後，會有一些責任歸屬的問題。」

交通部統計，目前我國汽車強制責任險投保率有98%，較機車82%高的主要原因，是因為汽車有定期檢驗制度。這次修法也新增除肇事外，若有交通違規被舉發，警政單位會勾稽比對，發現沒有保險就會一併開罰。

交通部路政司科長趙晉緯說明：「擴大到你只要有違反《交通管理處罰條例》，就表示你有違規上路的情形。那這個部分，金管會跟公路總局在後端會用系統的方式來比對，就會來做一個事後的舉發開罰。」

交通部提醒，新制度自11月30日起正式上路後，不論是現場攔查，或是逕行舉發，都會一併查詢車輛是否有投保強制險。