机动车辆第三者责任险指的是被保险人允许的合格驾驶员在使用保险车辆过程中（包括行驶和停放）发生意外事故，致使第三者遭受人身伤亡或财产的直接损毁，依法应当由被保险人支付的赔偿金额，保险人依照保险合同的规定给予赔偿。而国家有关法规对此项保险又作了要求：《道路交? Motor vehicle third party liability insurance refers to the insured permit the qualified pilots in the process of using the insurance vehicles (including driving and parking) accidents, resulting in personal death or property of a third party suffered direct damage, according to the law should be The amount of compensation paid by the insured, the insurer in accordance with the provisions of the insurance contract to pay compensation. The relevant state regulations on the insurance made a request: "Road traffic?