レンタ－カ－会社で条件は異なると思いますが・・・

保険が付保できるかどうか検討する前に、国際免許で運転できるか確認の必要があります。
台湾では国際免許では不可で日本の免許証にJAFの中国語翻訳文があれば入国後１年未満であれば運転できます。
Japananese Residents - Must have passport along with local driving licence with Chinese translation by JAF or Japan/Taiwan exchange association. International Driving Permit is not acceptable.
次にレンター会社の保険詳細を確認し追加付保､車輛保険免責額の免除(CDW)・搭乗者保険・盗難保険(TP)等々を検討します。HertzのCheck-out営業所の”ご利用条件”をみれば仕組みが理解できると思います。
車輛保険
The rate includes collision damage insurance. Customers shall be resposible for TWD10,0000 up to TWD50,000 (inc Tax), depending on the car group.
盗難保険
Theft insurance cover 90% of car market value, customer shall be responsible for 10% of car market value.
搭乗者保険
Driver/passenger insurance: up to TWD2,000,000 per person; Customers shall be responsible when loss over TWD2,000,000.
対人保険
Compulsory insurance: up to TWD2,000,000 per person death, Customers shall be responsible when loss over TWD2,000,000.
対物保険
Third party liability insurance: TWD2,000,000 person to TWD4,000,000 accident; TWD500,000 on property loss, customer shall be responsible when the loss over the insurance.
免責事項
The above insurance policy does not include damages or loss from natural disasters or severe weather (typhoon, earthquake, Floods etc) or damage to the equipment on the vehicle.
損害補償
During the car repair or the period of car stolen, the operating loss shall be the customers responsibility. The compensation is up to 20 days rental on the daily rate.
追加保険で損害を補填できそうでないので私ならcharterを選択します。
https://www.hertz.com/rentacar/location/taiwan/taoyuan/TPET50