Compulsory Automobile Liability Insurance (CALI)

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Getting CALI in Taiwan is mandatory, but it is not usually a fun experience.

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Generally, you can only get compensation when you apply for claims. There is nothing exciting about buying insurance. iFWD offers you the best partnership offers that you can enjoy right away!

What is CALI?

Compulsory Automobile Liability Insurance (CALI) is a compulsory insurance required by government in Taiwan. Every car owner in Taiwan is required to get a CALI policy.

Why Do We Need CALI?

CALI acts as the initial cover for third parties involved in a traffic accident. It protects not only the public but also every potential victims of a traffic accident.

How Does CALI Protect Us?

With the premium that every car owner pays, the government is able to guarantee that any accident victim can get proper treatment from a medical facility. The government also uses the money collected from CALI to ensure that those who were the affected party of a hit and run case will get medical treatment and compensation for loss of life from a land vehicle accident.

In an accident, CALI covers

As the fees for CALI tend to be low - from NTD1000-2000 - the government can only guarantee coverage for physical injuries of people but not any assets that may have been damaged. Only voluntary policies will cover damage to third party assets.

Other drivers or passengers involved
Your passenger involved
Pedestrians involved

Your car
Personal injuries of driver
Other cars

This means that in an accident CALI covers:

It's easy to get a quote for CALI with iFWD - and if you also want to cover your car, assets lost, and physical injuries of driver, check out our voluntary coverage options and get a quote right now.

My CALI pays for...

My passengers
Other side driver
His/Her side passengers
Other pedestrian and third party

His/Her CALI pays for...

Me
My passengers
His/Her side passengers
Other pedestrian and third party

What does CALI cover?

Situation	What Happens
No-Fault Compensation	When a traffic accident happens, claims will be paid out to the third part regardless of which drive at fault.
Direct Claim Right for Speedy Claims	Because claims are paid out regardless of which driver is at fault, you can claim directly from your insurer, which helps you get your approved compensation quicker.
Motor Vehicle Accident Compensation Fund	You may unfortunately get involved in an accident with someone who does not hold a CALI policy, is not the vehicle registrant, or for example flees the scene of the accident. In this case, the government’s Motor Vehicles Accident Compensation Fund takes responsibility for making sure that your claim is settled.

Situation

No-Fault Compensation

What Happens

When a traffic accident happens, claims will be paid out to the third part regardless of which drive at fault.
Situation

Direct Claim Right for Speedy Claims

What Happens

Because claims are paid out regardless of which driver is at fault, you can claim directly from your insurer, which helps you get your approved compensation quicker.
Situation

Motor Vehicle Accident Compensation Fund

What Happens

You may unfortunately get involved in an accident with someone who does not hold a CALI policy, is not the vehicle registrant, or for example flees the scene of the accident. In this case, the government’s Motor Vehicles Accident Compensation Fund takes responsibility for making sure that your claim is settled.

Penalty without CALI

Remember, you must buy a CALI policy, it is required by the government.

Make sure you double check the expiration of our CALI - you will be liable to punishment if you drive without a valid policy. We advise you to renew you CALI 2 months ahead of expiry.

The valid period of your CALI should be longer than 30 days, or else the motor vehicle division could not make inspection or any change to our vehicles.

Conditions	Penalty
Owner of automobile without CALI	TWD3,000 ~ TWD15,000
Owner of motorbike without CALI	TWD1,500 ~ TWD3,000
At fault in accident without CALI	TWD6,000 ~ TWD30,000
No-payment / late payment of penalty	Evoke to court, cease owner of the vehicle to process changes or transfer

Conditions

Owner of automobile without CALI

Penalty

TWD3,000 ~ TWD15,000
Conditions

Owner of motorbike without CALI

Penalty

TWD1,500 ~ TWD3,000
Conditions

At fault in accident without CALI

Penalty

TWD6,000 ~ TWD30,000
Conditions

No-payment / late payment of penalty

Penalty

Evoke to court, cease owner of the vehicle to process changes or transfer

Key Exclusions

When an Automobile Traffic Accident involving an Insured Automobile occurs as a result of either of the following behaviors on the part of an Injured Party or other Claimant, the Insurer shall not bear liability for payment of insurance benefits:

1. Caused it through a deliberate act.
2. Caused it through a criminal act.

When there is more than one other Claimant and a deliberate or criminal act has been committed, as referenced in the preceding paragraph, by one or more persons among them, the Insurer shall deduct the portion payable to such person or persons and pay the remainder to other Claimants.

Provisions

Benefit Types	Compensation (TWD)	Notes
1.0 Medical Injury	Maximum TWD200,000 per person per accident	-
1.1 First aid expense	Maximum TWD200,000 per person per accident	Search and rescue fee, Ambulance fee, Ambulance staffing fee
1.2 Ward fee	TWD1,500 per day	-
1.3 Food allowance	TWD180 per day	-
1.4 Prosthesis device	Maximum TWD50,000 per limb	-
1.5 Denture device	Maximum TWD10,000 per tooth, maximum TWD50,000 in total for more than five teeth	-
1.6 Medical appliance	Maximum TWD20,000	Special material, wheelchair, crutch
1.7 Pick-up fee	Maximum TWD20,000	Reasonable transportation fee for round trip to outpatient, transfer to other hospital, discharge from hospital.
1.8 Care fee	TWD1,200 per day, maximum 30 days	-
2.0 Disability benefits	Level 15 (TWD50,000) to Level 1 (TWD2,000,000)	Level of disablement: 15 levels and 205 items
3.0 Death benefits	TWD2,000,000 per person	-

Benefit Types	1.0 Medical Injury
Compensation (TWD)	Maximum TWD200,000 per person per accident
Notes	-

Benefit Types	1.1 First aid expense
Compensation (TWD)	Maximum TWD200,000 per person per accident
Notes	Search and rescue fee, Ambulance fee, Ambulance staffing fee

Benefit Types	1.2 Ward fee
Compensation (TWD)	TWD1,500 per day
Notes	-

Benefit Types	1.3 Food allowance
Compensation (TWD)	TWD180 per day
Notes	-

Benefit Types	1.4 Prosthesis device
Compensation (TWD)	Maximum TWD50,000 per limb
Notes	-

Benefit Types	1.5 Denture device
Compensation (TWD)	Maximum TWD10,000 per tooth, maximum TWD50,000 in total for more than five teeth
Notes	-

Benefit Types	1.6 Medical appliance
Compensation (TWD)	Maximum TWD20,000
Notes	Special material, wheelchair, crutch

Benefit Types	1.7 Pick-up fee
Compensation (TWD)	Maximum TWD20,000
Notes	Reasonable transportation fee for round trip to outpatient, transfer to other hospital, discharge from hospital.

Benefit Types	1.8 Care fee
Compensation (TWD)	TWD1,200 per day, maximum 30 days
Notes	-

Benefit Types	2.0 Disability benefits
Compensation (TWD)	Level 15 (TWD50,000) to Level 1 (TWD2,000,000)
Notes	Level of disablement: 15 levels and 205 items

Benefit Types	3.0 Death benefits
Compensation (TWD)	TWD2,000,000 per person
Notes	-

Car Compulsory Automobile Liability Insurance (Car CALI)