《道路交通安全法》第76条规定了机动车侵权责任和强制保险两项基本制度。从立法思路来讲,在中国机动车事故受害人保护问题日益严峻、“撞了白撞”地方立法逐渐蔓延、机动车强制保险以强制保险之名行商业保险之实的现实情况下,为了保护机动车事故受害人,立法者顺应世界各国机动 Article 76 of the “Road Traffic Safety Law” stipulates two basic systems of motor vehicle infringement liability and compulsory insurance. From the legislative perspective, the protection of motor vehicle accident victims in China is becoming more and more serious, and the local legislation of “collision” has gradually spread. Under the reality of compulsory insurance of motor vehicles in the name of commercial insurance under the name of compulsory insurance, Victims of motor vehicle accidents, legislators conform to the maneuvers of all countries in the world