Third party liability insurance traffic compulsory liability insurance is compulsory national vehicle all people must buy, if not to buy the third party liability insurance, not listed and inspection. And in the "motor vehicle registration regulations" in article seventh expressly provided, the vehicle management station for registration, registration of motor vehicles for the name shall be compulsory third party liability insurance and the date of the insurance company. Because of the cross strong insurance not promulgated, countries have not yet on the compulsory third party liability insurance made clear, so that all traffic department have provided new listing must buy the commercial third party liability insurance. And now you must buy insurance to pay strong, otherwise no and listing and the road.

   Cross strong insurance and the commercial motor vehicle third party liability insurance is essentially different from. The commercial third party liability insurance is taken by the insurance company according to the accident responsibility is borne by an insurer in traffic accidents, to determine the compensation liability. And cross strong insurance is the implementation of the "principle of no fault liability", namely, whether the insured was responsible in the traffic accident, the insurance company shall be 122000 yuan in the limits of liability for compensation within. The third party liability insurance provided more exclusions and franchise (amount). The compulsory liability insurance covering almost all road traffic risk, and do not set a franchise and deductible. The third party liability insurance is for the purpose of profit, which belongs to the commercial insurance business. And cross strong insurance is not for profit, regardless of profit or loss, shall not participate in the company's profit distribution, the company actually play a representative role.

   The biggest difference between the commercial third party liability insurance and compulsory insurance is the compensation scope is different, 100000 yuan to the commercial third party liability insurance as an example, as long as a qualified driver insured permitted, in the driving process of the vehicle within the scope of insurance, caused to the third party personal injury and property losses are approved in the insurance company for compensation. If the cause of the disabled person, third died in the accident, the highest 100000 yuan for medical expenses; the maximum compensation limit for 100000 yuan; the highest 100000 yuan compensation for financial loss. Commercial third party liability insurance in 100000 yuan of the maximum compensation limit is 100000 yuan. But the strong insurance to pay a maximum compensation limit for 122000 yuan, if the insured motor vehicle after a traffic accident was sentenced to bear the main responsibility, then the highest death and disability compensation of 110000 yuan, 10000 yuan for medical expenses, loss of property charges 2000 yuan compensation. If the insured vehicle in the traffic accident was sentenced to no responsibility if, then the highest death and disability compensation of 11000 yuan, the highest 1000 yuan compensation for medical expenses, loss of property the maximum compensation 100 yuan.

   In addition to the scope of compensation is different, the commercial third party liability insurance and the insurance range is different. In addition to the individual things, the compensation scope of compulsory insurance covers almost all road traffic liability risk. And three commercial liability insurance, insurance companies with different degree of regulations are deductible, franchise or exclusions. In addition to deliver strong insurance than the commercial third party liability insurance is a compulsory, according to the regulations, the owner or manager should be insured motor vehicle compulsory insurance, at the same time, the insurance company can not deny coverage, and shall not delay the underwriting and may terminate the contract at. And cross strong insurance to implement a unified national insurance clauses and the basic rate, the China Insurance Regulatory Commission for approval in accordance with the cross strong insurance business in general "no profit no loss" principle rate.

 But unlike commercial insurance is compulsory insurance, whether the insured was responsible in the traffic accident, the insurance company shall be in accordance with the specific requirements of compulsory insurance clause within the limit of liability for compensation. Of course, this is also the original intention of the implementation of compulsory insurance to provide basic guarantee for the traffic accident victims. On the other hand, "motor vehicle traffic accident liability compulsory insurance regulations" provisions of article twenty-first, the road traffic accident damage was deliberately caused by the victim, the insurance company shall not compensate. So the pedestrian deliberately "pengci" accidents will not receive compensation, although the compulsory insurance is of no fault liability, but the premise is the non intentional behavior. To deliberately caused the accident insurance, the insurance company shall not compensate. This is to prevent the intentional Dutch act or the victim and the owners of malicious collusion, moral hazard.

   So the owner and the commercial third party liability insurance expired car owners can be purchased insurance to pay strong, at the same time, according to their ability to pay for insurance to pay strong basis at the same time to buy 50000, 100000, 200000, 300000, 500000 or even 1000000 yuan of above, different grades of commercial liability insurance limit of three. That is to say, cross strong insurance does not prevent the traffic accident victims to obtain higher compensation by other means. After all, cross strong insurance of the highest 122000 yuan compensation is not one hundred percent guarantee in the event of a major traffic accident to the victim compensation.

   One case: in March 1, 2007, the owner a million bought a van, he to an insurance company insurance against loss of vehicle and third party liability insurance, hire have years of driving experience xiaomou to driving. In April 21st, the car on the way failure, xiaomou thought his father has years of repair experience, then put him to come. ShuLiao in the repair process, the car suddenly start, rolling xiaomou father to death. The insurance company to a million payment vehicle insurance, won't pay xiaomou father's death compensation. The insurance company is based on the vehicle third party insurance "deductible clause" clearly stipulates: the driver of the vehicle and the family member's injury, or left inside the property loss is not in the list of claims. Million is not a, to the insurance company to court, requirement according to the vehicle third party liability insurance payment xiaomou father's death compensation.

   Case two: a truck owner Zhao Mouyou engaged in freight operation, and the insurance companies to insurance is 200000 yuan for third party liability insurance and 20000 yuan car personnel liability insurance. The insurance period, Zhao hire drivers, his truck to Guangzhou delivery on the way found the car stolen goods, Zhao hurried to ask the driver to pull over and get off to view. Because the car did not stop, Zhao jumping out of the car and fell down, be the car rear wheel pressure had died. When sue to the court the Zhao family to insurance company claim for compensation after the rejection of the exemption clause: request confirmation of harm to the plaintiff's rights in insurance contract is invalid, order the defendant to the insurance company to compensate the death compensation the loss of 200000 yuan. The insurance company that: the insurance company "motor vehicle third party liability insurance clause" of article fourth (1) had clearly stipulates: "motor vehicle accidents caused by the insured, drivers or their family members in personal injury or property loss, the insurer shall not compensate." Zhao their vehicle will himself killed, do not belong to the third party liability insurance compensation.

   Case three: November 2, 2005, Xie Sheng company all its min CB4061 plate truck with an insurance company signed a commercial third party liability insurance and liability insurance, the same year in November 9th, Xie Sheng company pilot a temperature driving the car delivery, stop the car in a business department in hospital, because of not according to operating specifications turn off the car and shifting parking is off, causing the vehicle slipped and hit to the car after the driver of a warm conversation with others, causing the injured rescue invalid death. After the incident, Xie Sheng company in the death compensation, economic compensation and other compensation for the loss of the driver, sue the insurance company require payment of third party liability insurance, the insurance company at a temperature not belong to third as specified in the insurance contract category refused to compensate.