机动车交通事故责任强制险与商业险是两种性质不同的责任保险,二者具有不同的设计原理,对交通事故受害人赔偿时,后者与前者为补充和被补充关系。机动车交通事故责任强制险以保护受害人为目的,其赔偿不以机动车所有人、管理人对事故受害人的民事赔偿责任为基础;机动车交通事故责任商业险的赔偿则以机动车所有人、管理人的民事赔偿责任为基础。民事赔偿制度为受害人的损失提供最终赔偿保障。 Compulsory traffic accident liability insurance and commercial insurance are two kinds of liability insurance of different nature, both of which have different design principles. When compensation is paid to victims of traffic accidents, the latter and the former are supplementary and supplementary. Motor vehicle traffic accident liability compulsory insurance to protect the victims for the purpose, the compensation does not take the owner of motor vehicles, managers of accident victims on civil liability for compensation as the basis; motor vehicle liability commercial liability compensation liability motor vehicle owners , Administrator’s civil liability. The civil compensation system provides the ultimate compensation guarantee for the victim’s loss.