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与原来的三责险有什么关系?机动车交通事故责任强制保险(简称交强险)与消费者熟悉的机动车第三者责任保险(即三责险)在保险种类上属于同一个险种。都是保障道路交通事故中第三方受害人获得及时有效赔偿的险种。只不过交强险是法定强制性的。实际上可叫作“强制三责险”,而过去的三责险都是商业性的。尽管保险种类是一样的,但交强险与商业三责险在赔偿原则、赔偿范围等方面存在着本质的区别。1、商业三责险采取的是过错责任原则,即保险公司根据被保险人在交通事故中所承担的事故责任来确定其赔偿责任。而交强险
What is the relationship with the original three liability insurance? Motor vehicle liability compulsory insurance (referred to as strong insurance) and consumer familiar with the motor vehicle third party liability insurance (that is, three liability insurance) belong to the same insurance category. All are third-party victims of road traffic accidents in order to obtain timely and effective compensation insurance. But to pay strong insurance is mandatory. Can actually be called “mandatory three liability insurance”, and the three liability insurance in the past are commercial. Although the types of insurance are the same, there is an essential difference in the principle of compensation and the scope of compensation for the three major liability insurance companies that deal with strong insurance and commercial insurance. 1, commercial liability insurance to take the principle of fault liability, that is, the insurer in accordance with the accident liability assumed by the insured in a traffic accident to determine its liability. And pay strong insurance