駕駛普遍會投保的強制險、第三人責任險都是保障事故後的賠償責任,也就是「賠給對方」,想要加強自己的人身保障,可以附加「駕駛人傷害險」,但駕駛人傷害險附加於第三人責任險還是強制險,保障範圍大不相同,規畫保單時務必了解清楚再下手。 曾姓婦人2018年時向產險公司投保車險並附加駕駛人傷害險附約,保險期間為1年,約定在附約有效期間內,騎乘被保險機車發生交通意外事故致死亡或殘廢時,產險公司應依約給付死亡或殘廢保險金200萬元。 曾婦在保障期間內騎車發生事故,經治療後致成左腕關節永久喪失機能,符合給付比例為40%的殘廢程度,要求產險公司給付保險金80萬元(200萬元×40%)、傷害醫療保險金6萬元、自費骨板醫材費2萬元,共計88萬元。 曾婦一直認為自己的駕駛人傷害險附約是附加於第三人責任險,但她向保險公司請求給付保險金時被拒賠,保險公司拒賠的原因是「附約係附加於強制責任險」,不保障二車以上的交通事故。曾婦認為保險公司以「並無保障缺口」為由拒絕理賠請求,是變相限縮保單承保範圍,逃避應負的契約責任。 保險公司反駁,曾婦投保附約的契約名稱為「機車強制責任保險駕駛人傷害附加條款」,可認定所附加的主契約為機車強制責任險;附約第1條承保範圍已明定對於駕駛人涉及「強制汽車責任險」被保險機車單一機車交通事故,致駕駛人死亡、失能或受有體傷時,保險公司依約定負賠償責任。但曾婦發生的事故是與另一輛機車碰撞的交通事故,並非僅涉及被保險機車的單一機車交通事故,非該張附約的承保範圍。 判決書記載,保險附約第1條已訂明承保範圍是對駕駛人涉及「強制汽車責任保險」被保險機車單一機車交通事故,致駕駛人本人死亡、殘廢或受有體傷時,對受益人負賠償責任。 至於何謂單一機車交通事故,保險附約雖無明確約定,但考量強制汽機車責任險的立法目的,是在保障車禍導致第三人受傷、死亡時的被害人求償權益,因此當兩車相撞時,駕駛人如受有體傷,可向彼此的強制汽機車責任險請求賠償,並無保障漏洞。 但是,如果交通事故是被保險人駕車自撞,因沒有對方的強制責任險可供求償,被保險人所受的人身傷亡只能自行承擔,而為保障缺口,因此設計強制汽機車責任險的附加駕駛人傷害條款,讓被保險人在未與其他車輛發生交通事故時,仍能就體傷、死亡損害獲得賠償,以減輕被保險人遭遇意外的財產負擔。 曾婦發生的事故是與另一名騎士發生擦撞,不屬「單一機車交通事故」,一、二審法院皆認為,因這場事故不屬於保險附約承保範圍,曾婦不得請求保險公司負賠償責任,全案確定。 本文獲「好險網」授權轉載,原文:強制險附加駕傷險不賠「二車相撞事故」 婦怒告保險公司結果出爐! 延伸閱讀 文/李瑞瑾 駕駛普遍會投保的強制險、第三人責任險都是保障事故後的賠償責任,也就是「賠給對方」,想要加強自己的人身保障,可以附加「駕駛人傷害險」,但駕駛人傷害險附加於第三人責任險還是強制險,保障範圍大不相同,規劃保單時務必了解清楚再下手。 曾姓婦人2018年時向產險公司投保車險並附加駕駛人傷害險附約,保險期間為1年,約定在附約有效期間內,騎乘被保險機車發生交通意外事故致死亡或殘廢時,產險公司應依約給付死亡或殘廢保險金200萬元。 曾婦在保障期間內騎車發生事故,經治療後致成左腕關節永久喪失機能,符合給付比例為40%的殘廢程度,要求產險公司給付保險金80萬元(200萬元×40%)、傷害醫療保險金6萬元、自費骨板醫材費2萬元,共計88萬元。 曾婦一直認為自己的駕駛人傷害險附約是附加於第三人責任險,但她向保險公司請求給付保險金時被拒賠,保險公司拒賠的原因是「附約係附加於強制責任險」,不保障二車以上的交通事故。曾婦認為保險公司以「並無保障缺口」為由拒絕理賠請求,是變相限縮保單承保範圍,逃避應負的契約責任。 保險公司反駁,曾婦投保附約的契約名稱為「機車強制責任保險駕駛人傷害附加條款」,可認定所附加的主契約為機車強制責任險;附約第1條承保範圍已明定對於駕駛人涉及「強制汽車責任險」被保險機車單一機車交通事故,致駕駛人死亡、失能或受有體傷時,保險公司依約定負賠償責任。但曾婦發生的事故是與另一輛機車碰撞的交通事故,並非僅涉及被保險機車的單一機車交通事故,非該張附約的承保範圍。 判決書記載,保險附約第1條已訂明承保範圍是對駕駛人涉及『強制汽車責任保險』被保險機車單一機車交通事故,致駕駛人本人死亡、殘廢或受有體傷時,對受益人負賠償責任。 至於何謂單一機車交通事故,保險附約雖無明確約定,但考量強制汽機車責任險的立法目的,是在保障車禍導致第三人受傷、死亡時的被害人求償權益,因此當兩車相撞時,駕駛人如受有體傷,可向彼此的強制汽機車責任險請求賠償,並無保障漏洞。 但是,如果交通事故是被保險人駕車自撞,因沒有對方的強制責任險可供求償,被保險人所受的人身傷亡只能自行承擔,而為保障缺口,因此設計強制汽機車責任險的附加駕駛人傷害條款,讓被保險人在未與其他車輛發生交通事故時,仍能就體傷、死亡損害獲得賠償,以減輕被保險人遭遇意外的財產負擔。 曾婦發生的事故是與另一名騎士發生擦撞,不屬「單一機車交通事故」,一、二審法院皆認為,因這場事故不屬於保險附約承保範圍,曾婦不得請求保險公司負賠償責任,全案確定。 《延伸閱讀》 《元旦連假出勤薪資算法一次看 這天上班可拿雙倍薪!》 《勞保年改有解?勞長許銘春曝「一前提」:達成馬上改》 《勞保紓困貸款開辦!「每人最高10萬元」有20萬名額 前半年只要還百元》 《勞工6大新制影響你我權益 勞保費變多、退休要晚1年!》 《股民樂!T+2變T+0最快明年5月上路 賣股當天就可變現》 駕駛人傷害保險如果你或家人經常騎車或開車,這個險種一定要認識。 &nbsp;</span></strong><span style="font-family:'book antiqua',palatino;color:#444444">(簡介語音)</span></span></p> <p><span style="font-size:18pt"><strong><span style="font-family:'book antiqua',palatino"><img loading="lazy" title="10636951_280318628758866_7066804888939056960_o" src="https://pic.pimg.tw/wewe333we/1416196758-4079136319.jpg" alt="10636951_280318628758866_7066804888939056960_o" width="714" height="535" border="0">&nbsp;</span></strong></span></p> <h2 style="font-size:1.9rem;font-family:'Noto Sans TC',sans-serif;line-height:1.3;font-weight:400;border:0px;outline:0px;overflow-wrap:break-word;letter-spacing:0.5px;margin:50px auto 30px;color:#ffffff;text-align:center;background:#822b2b;padding:30px;border-radius:5px"><span style="font-size:24pt"><strong><span style="font-family:'trebuchet ms',geneva">強制險不理賠「單一事故」的駕駛</span></strong></span></h2> <p><span style="font-size:18pt;color:#444444"><span style="font-family:'book antiqua',palatino">因為「強制汽車責任保險」</span><span style="font-family:'book antiqua',palatino">(以下稱強制險),</span></span><span style="font-size:18pt;color:#444444"><span style="font-family:'book antiqua',palatino">是保障乘客跟車外的第三人。</span></span></p> <p><span style="font-size:18pt;color:#444444"><span style="font-family:'book antiqua',palatino"><strong><span style="text-decoration:underline;color:#c13e4e"><span>如果駕駛人自己受傷,是沒有辦法理賠的。</span></span></strong></span></span></p> <p>&nbsp;</p> <p><strong><span style="font-size:18pt;color:#444444;background-color:#fff1ca"><span style="font-family:'book antiqua',palatino">因此才有專門為保障開車駕駛,所延伸而出的「<span style="text-decoration:underline"><span style="text-decoration:underline">駕駛人傷害保險</span></span>」</span><span style="font-family:'book antiqua',palatino">(以下稱駕傷險)</span><span style="font-family:'book antiqua',palatino">。</span></span></strong></p> <p><span style="font-size:18pt"><strong><span style="font-family:'book antiqua',palatino"><strong><span style="font-family:'book antiqua',palatino"><strong><span style="text-decoration:underline"><span style="color:#ff0000;text-decoration:underline"><img loading="lazy" title="未命名1" src="https://pic.pimg.tw/wewe333we/1426036216-3729275600.png" alt="未命名1" width="713" height="535" border="0"></span></span></strong></span></strong></span></strong></span></p> <h2 style="font-size:1.9rem;font-family:'Noto Sans TC',sans-serif;line-height:1.3;font-weight:400;border:0px;outline:0px;overflow-wrap:break-word;letter-spacing:0.5px;margin:50px auto 30px;color:#ffffff;text-align:center;background:#822b2b;padding:30px;border-radius:5px"><span style="font-size:24pt"><strong><span style="font-family:'trebuchet ms',geneva">駕傷險分成兩種</span></strong></span></h2> <p><span style="font-size:18pt;color:#444444"><span style="font-family:'book antiqua',palatino">第一種是附加於「強制險」底下,保障範圍為<span style="background-color:#fff1ca"><strong><span style="color:#c13e4e">單一事故。</span></strong></span><br></span></span></p> <p><span style="font-size:18pt;color:#444444"><span style="font-family:'book antiqua',palatino">第二種是附加於「任意險」底下,保障範圍為<span style="background-color:#fff1ca"><strong><span style="color:#c13e4e">交通事故。</span></strong></span></span></span></p> <p><span style="font-size:18pt"><strong><span style="font-family:'book antiqua',palatino"><img loading="lazy" title="/tmp/php9SspVe" src="https://pic.pimg.tw/wewe333we/1584528108-128493463_n.png" alt="/tmp/php9SspVe" width="755" height="454" border="0"><br></span></strong></span></p> <p><span style="font-size:18pt"><strong><span style="font-family:'book antiqua',palatino"><strong><span style="font-family:'arial black','avant garde'"><img loading="lazy" title="未命名3" src="https://pic.pimg.tw/wewe333we/1435861052-2251507671.png" alt="未命名3" width="704" height="525" border="0"></span></strong>&nbsp;&nbsp;</span></strong></span></p> <p><span style="font-size:18pt">&nbsp;</span></p> <h2 style="font-size:16px;line-height:1.6em;font-family:微軟正黑體,'Microsoft JhengHei';clear:both;border-left-width:4px;border-left-style:solid;border-left-color:#555555;font-weight:500;padding-left:8px;letter-spacing:1.05px;background:none 0px 0px repeat scroll #ffdd85"><span style="font-size:18pt"><span style="font-family:'book antiqua',palatino">以下說明:<span style="color:#0000ff">【強制險中的駕傷險】</span></span></span></h2> <div id="thistitle" class="box-info" style="color:#525252;box-sizing:border-box;font-family:'Open Sans',sans-serif;margin:20px 0px;padding:20px;border:1px solid #b60105;outline:0px;font-variant-numeric:inherit;font-variant-east-asian:inherit;font-stretch:inherit;line-height:inherit;vertical-align:baseline;font-size:15px;position:relative;background-color:#efefef" title="插話:"> <p><span style="font-size:18pt"><strong><span style="font-family:'book antiqua',palatino">(1)<span style="background-color:#fff1ca">需附加於「強制險」底下。</span></span></strong></span></p> <p><strong><span style="font-size:18pt"><span style="font-family:'book antiqua',palatino"><span style="color:#c13e4e">你得先投保「強制險」,才能夠加保</span>「強制責任保險駕駛人傷害附加條款」。</span></span></strong></p> <hr> <p><span style="font-size:18pt"><strong><span style="font-family:'book antiqua',palatino">(2)<span style="background-color:#fff1ca">「強制險」若駕駛發生<span style="color:#c13e4e">單一交通事故</span>是沒有辦法理賠的。</span></span></strong></span></p> <p><span style="font-size:18pt"><span style="font-family:'book antiqua',palatino">例如自己摔車,撞電線桿,開進水溝,滑落山崖,撞安全島等。</span></span></p> <p><strong><span style="font-size:18pt;color:#c13e4e"><span style="font-family:'book antiqua',palatino"><span style="text-decoration-line:underline">沒有其他車輛相關的交通事故,就稱之為【單一事故】。</span></span></span></strong></p> <hr> <p><span style="font-size:18pt"><strong><span style="font-family:'book antiqua',palatino">(3)<span style="background-color:#fff1ca">強制險跟第三人責任險都是賠給對方的,而<span style="text-decoration-line:underline;color:#c13e4e">駕傷險則是賠駕駛自己</span>。</span></span></strong></span></p> <p><span style="font-size:18pt"><span style="font-family:'book antiqua',palatino">例如前項的單一事故,強制險雖然不賠,但駕駛人傷害保險就可以發揮效用。</span></span></p> </div> <p><span style="font-size:18pt"><strong><span style="font-family:'book antiqua',palatino"><a href="https://www.facebook.com/Forinsurance.tw/photos/a.157657121025018.5090.157654257691971/403986673058727/?type=3&theater" target="_blank"><img loading="lazy" title="1" src="https://pic.pimg.tw/wewe333we/1475636626-2889176419_l.png" alt="1" width="714" height="527" border="0"></a></span></strong></span></p> <hr> <p><span style="font-size:18pt;color:#444444"><strong><span style="font-family:'book antiqua',palatino">(4)<span style="background-color:#fff1ca">保障項目跟強制汽車責任保險相同,分為三大項;</span></span></strong></span></p> <p><span style="font-size:18pt"><span style="font-family:'book antiqua',palatino"><span style="font-family:'book antiqua',palatino"><img loading="lazy" src="https://s.pixfs.net/f.pixnet.net/images/emotions/054.gif" alt="" border="0">&nbsp;&nbsp;</span>傷害醫療給付:<strong><span style="color:#c13e4e;background-color:#fff1ca">最高 20 萬</span></strong></span></span></p> <p><span style="font-size:18pt"><span style="font-family:'book antiqua',palatino"><span style="font-family:'book antiqua',palatino"><img loading="lazy" src="https://s.pixfs.net/f.pixnet.net/images/emotions/054.gif" alt="" border="0">&nbsp;&nbsp;</span>殘廢給付:<strong><span style="color:#c13e4e;background-color:#fff1ca">殘廢等級(15 級),最高 200 萬</span></strong></span></span></p> <p><span style="font-size:18pt"><span style="font-family:'book antiqua',palatino"><span style="font-family:'book antiqua',palatino"><img loading="lazy" src="https://s.pixfs.net/f.pixnet.net/images/emotions/054.gif" alt="" border="0">&nbsp;&nbsp;</span>死亡給付:<span style="background-color:#fff1ca"><strong><span style="color:#c13e4e">定額給付 200 萬</span></strong></span></span></span></p> <hr> <h2 style="font-size:1.9rem;font-family:'Noto Sans TC',sans-serif;line-height:1.3;font-weight:400;border:0px;outline:0px;overflow-wrap:break-word;letter-spacing:0.5px;margin:50px auto 30px;color:#ffffff;text-align:center;background:#822b2b;padding:30px;border-radius:5px"><span style="font-size:24pt"><strong><span style="font-family:'trebuchet ms',geneva">總結</span></strong></span></h2> <p><span style="font-size:18pt;color:#444444"><strong><span style="font-family:'book antiqua',palatino">若是<span style="color:#c13e4e">使用汽機車的頻率較高,或是家人經常輪替騎乘。</span></span></strong></span></p> <p><span style="font-size:18pt;color:#444444;background-color:#fff1ca"><strong><span style="font-family:'book antiqua', palatino">因為多人使用,若以一年保費來看,駕駛險是一個值得考慮的選項</span></strong></span></p> <p><span style="font-size:18pt"><img loading="lazy" title="/tmp/phphVQQ0G" src="https://pic.pimg.tw/wewe333we/1584959667-2598607259_n.jpg" alt="/tmp/phphVQQ0G" width="762" height="508" border="0"></span></p> <p><span style="font-size:18pt">&nbsp;</span></p> <p><span style="font-size:18pt;color:#444444"><strong><span style="font-family:'book antiqua',palatino">另外若是<span style="color:#c13e4e">家人平時有在用車,而身體健康狀況又不適合投保一般商業保險</span>的話</span></strong><span style="font-family:'book antiqua',palatino">(例如已經有糖尿病或高血壓)</span><strong><span style="font-family:'book antiqua',palatino">。</span></strong></span></p> <p><span style="font-size:18pt;color:#444444"><strong><span style="font-family:'book antiqua',palatino">駕傷險也能夠針對家人駕駛時可能發生的交通事故</span></strong><span style="font-family:'book antiqua',palatino">(對於單一事故)</span><strong><span style="font-family:'book antiqua',palatino">,提供一個保障。</span></strong></span></p> <p><span style="font-size:18pt"><strong><span style="font-family:'book antiqua',palatino"><img loading="lazy" title="未命名" src="https://pic.pimg.tw/wewe333we/1475837893-912375447_l.png" alt="未命名" width="707" height="573" border="0"> &nbsp;</span></strong></span></p> <p><span style="font-size:18pt;color:#444444"><span style="font-family:'book antiqua',palatino">此篇僅說明附加於強制險中的駕駛險,範圍與任意險中的駕駛險,兩者的保障內容有很大的不同。</span></span></p> <p>&nbsp;</p> <p><span style="font-size:18pt"><em><span style="font-family:'book antiqua',palatino">延伸閱讀:</span></em></span></p> <p><span style="font-size:18pt"><em><span style="font-family:'book antiqua',palatino"><a title="駕駛人傷害保險:附加於第三人責任險" href="http://wewe333we.pixnet.net/blog/post/190388223-%e9%a7%95%e9%a7%9b%e4%ba%ba%e5%82%b7%e5%ae%b3%e4%bf%9d%e9%9a%aa%ef%bc%9a%e9%99%84%e5%8a%a0%e6%96%bc%e7%ac%ac%e4%b8%89%e4%ba%ba%e8%b2%ac%e4%bb%bb%e9%9a%aa" target="_blank">駕駛人傷害保險:附加於第三人責任險</a><br></span></em></span></p> <p><span style="font-size:18pt"><em><span style="font-family:'book antiqua',palatino"><a title="投保駕駛人傷害險,記得一定要填寫「名冊」!" href="http://wewe333we.pixnet.net/blog/post/224641406-%e6%8a%95%e4%bf%9d%e9%a7%95%e9%a7%9b%e4%ba%ba%e5%82%b7%e5%ae%b3%e9%9a%aa%ef%bc%8c%e8%a8%98%e5%be%97%e4%b8%80%e5%ae%9a%e8%a6%81%e5%a1%ab%e5%af%ab%e3%80%8c%e5%90%8d%e5%86%8a%e3%80%8d" target="_blank">投保駕駛人傷害險,記得一定要填寫「名冊」!</a><br></span></em></span></p> <p><span style="font-size:18pt"><span style="font-family:'book antiqua',palatino"><em><a title="【無照駕駛,駕傷險可以理賠嗎?】" href="http://wewe333we.pixnet.net/blog/post/226148222-%e3%80%90%e7%84%a1%e7%85%a7%e9%a7%95%e9%a7%9b%ef%bc%8c%e9%a7%95%e5%82%b7%e9%9a%aa%e5%8f%af%e4%bb%a5%e7%90%86%e8%b3%a0%e5%97%8e%ef%bc%9f%e3%80%91" target="_blank">【無照駕駛,駕傷險可以理賠嗎?】</a></em></span><strong><span style="font-family:'book antiqua',palatino"><br></span></strong></span></p> <p><span style="font-size:18pt"><span style="font-family:'book antiqua',palatino"><em><a title="原來,保險業務員自己的「車險」都保這些項目" href="https://wewe333we.pixnet.net/blog/post/229990619-%e5%8e%9f%e4%be%86%ef%bc%8c%e4%bf%9d%e9%9a%aa%e6%a5%ad%e5%8b%99%e5%93%a1%e8%87%aa%e5%b7%b1%e7%9a%84%e3%80%8c%e8%bb%8a%e9%9a%aa%e3%80%8d%e9%83%bd%e4%bf%9d%e9%80%99%e4%ba%9b%e9%a0%85" target="_blank">原來,保險業務員自己的「車險」都保這些項目</a><br></em></span></span></p> <p><span style="font-size:18pt"><span style="font-family:'book antiqua',palatino"><em><a title="【買新車】汽車保險怎麼保?" href="https://wewe333we.pixnet.net/blog/post/178677015-%e3%80%90%e8%b2%b7%e6%96%b0%e8%bb%8a%e3%80%91%e6%b1%bd%e8%bb%8a%e4%bf%9d%e9%9a%aa%e6%80%8e%e9%ba%bc%e4%bf%9d%ef%bc%9f" target="_blank">【買新車】汽車保險怎麼保?</a><br></em></span></span></p> <hr> <p><span style="font-size:18pt">&nbsp;</span></p> <p style="font-size:17.7778px"><span style="font-size:18pt"><strong style="color:#ff0000;font-size:18pt"><span style="font-family:'arial black','avant garde'"><strong><strong><span style="font-family:'book antiqua',palatino"><span style="color:#000000">想自學車禍處理的朋友,推薦參考書籍</span></span></strong></strong></span></strong></span></p> <hr> <p><span style="font-size:18pt"><strong style="color:#ff0000;font-size:18pt"><span style="font-family:'arial black','avant garde'"><strong><strong><span style="font-family:'book antiqua',palatino"><span style="color:#000000"><strong style="color:#ff0000;font-size:18pt"><span style="font-family:'arial black','avant garde'"><strong><strong><span style="font-family:'book antiqua',palatino"><span style="color:#000000"><strong style="color:#ff0000;font-size:18pt"><span style="font-family:'arial black','avant garde'"><strong><strong><span style="font-family:'book antiqua',palatino"><span style="color:#000000">想要進階入門就看<strong style="color:#ff0000;font-size:18pt"><span style="font-family:'arial black','avant garde'"><strong><strong><span style="font-family:'book antiqua',palatino"><span style="color:#000000">《<a href="https://www.books.com.tw/exep/assp.php/wewe333we/products/0010822540?utm_source=wewe333we&utm_medium=ap-books&utm_content=recommend&utm_campaign=ap-201905" target="_blank">圖解車禍資訊站:第一次打車禍官司就OK!</a>》</span></span></strong></strong></span></strong></span></span></strong></strong></span></strong></span></span></strong></strong></span></strong></span></span></strong></strong></span></strong></span></p> <p style="font-size:17.7778px"><span style="font-size:18pt"><a href="https://www.books.com.tw/exep/assp.php/wewe333we/products/0010822540?utm_source=wewe333we&utm_medium=ap-books&utm_content=recommend&utm_campaign=ap-201905" target="_blank"><img loading="lazy" title="getImage (1)" src="https://pic.pimg.tw/wewe333we/1558245462-1755487360.jpg" alt="getImage (1)" border="0"></a></span></p> <hr> <p><span style="font-size:18pt"><strong>同樣是非常適合新手觀看的《<a href="https://www.books.com.tw/exep/assp.php/wewe333we/products/0010760079?utm_source=wewe333we&utm_medium=ap-books&utm_content=recommend&utm_campaign=ap-201905" target="_blank">出車禍了!然後咧?</a>》</strong></span></p> <p style="font-size:17.7778px"><span style="font-size:18pt"><strong><a href="https://www.books.com.tw/exep/assp.php/wewe333we/products/0010760079?utm_source=wewe333we&utm_medium=ap-books&utm_content=recommend&utm_campaign=ap-201905" target="_blank"><img loading="lazy" title="getImage" src="https://pic.pimg.tw/wewe333we/1558245599-2177657186.jpg" alt="getImage" border="0"></a></strong></span></p> <hr> <p><span style="font-size:18pt"><strong style="color:#ff0000;font-size:18pt"><span style="font-family:'arial black','avant garde'"><strong><strong><span style="font-family:'book antiqua',palatino"><span style="color:#000000"><strong style="color:#ff0000;font-size:18pt"><span style="font-family:'arial black','avant garde'"><strong><strong><span style="font-family:'book antiqua',palatino"><span style="color:#000000">理賠糾紛、調解和解程序<strong style="color:#ff0000;font-size:18pt"><span style="font-family:'arial black','avant garde'"><strong><strong><span style="font-family:'book antiqua',palatino"><span style="color:#000000"><strong style="color:#ff0000;font-size:18pt"><span style="font-family:'arial black','avant garde'"><strong><strong><span style="font-family:'book antiqua',palatino"><span style="color:#000000">《<a href="http://www.books.com.tw/exep/assp.php/wewe333we/products/0010663023?utm_source=wewe333we&utm_medium=ap-books&utm_content=recommend&utm_campaign=ap-201506" target="_blank">如何處理車禍糾紛?</a>》是大仁目前最推薦的實務書籍!</span></span></strong></strong></span></strong></span></span></strong></strong></span></strong></span></span></strong></strong></span></strong></span></span></strong></strong></span></strong></span></p> <p style="font-size:17.7778px"><span style="font-size:18pt"><strong style="color:#ff0000;font-size:18pt"><span style="font-family:'arial black','avant garde'"><strong><strong><span style="font-family:'book antiqua',palatino"><span style="color:#000000"><a href="http://www.books.com.tw/products/0010663023?utm_source=wewe333we&utm_medium=ap-books&utm_content=recommend&utm_campaign=ap-201506" target="_blank"><img loading="lazy" title="getImage" src="https://pic.pimg.tw/wewe333we/1434964719-3346313978.jpg" alt="getImage" width="601" height="601" border="0"></a></span></span></strong></strong></span></strong></span></p> <p style="color:#525252;font-family:'&quot;Helvetica 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