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《中华人民共和国道路交通安全法》(以下简称《道交法》)于2004年5月1日起正式施行。为了有效地保护交通事故中的受害者,消除“穷肇事”和消灭或减少“肇事逃逸”事件的发生,《道交法》第十七条明确规定,国家实行机动车第三者责任强制保险制度。《道交法》实施以来,保险市场上出现了一些保险机构拒绝单独承保机动车第三者责任保险的情形,有些公司以推行第三者责任强制保险为由强行捆绑销售车损险及多个附加险。
The Road Traffic Safety Law of the People’s Republic of China (hereinafter referred to as “Road Traffic Law”) came into effect on May 1, 2004. In order to effectively protect the victims in traffic accidents, eliminate the “poor ones” and eliminate or reduce the occurrence of “hit and run” incidents, Article 17 of the “Dao Jia” Law clearly stipulates that the state shall implement the compulsory third party liability insurance system. Since the implementation of the “Daojiao Law”, some insurance companies have refused to separately insure third-party liability insurance for motor vehicles in the insurance market. Some companies forcibly bundled sales car damages and several additional risks on the grounds of implementing compulsory third party liability insurance .