在机动车辆保险中,车上人员责任险是第三者责任险项下的附加险,是第三者责任险的扩大和延伸,只有投保了第三者责任险的条件下才能投保该附加险。但是,在遇到责任事故时,保险公司应如何处理“车上风险引至的车下责任”,值得探讨。 In the motor vehicle insurance, the liability of the driver on board is the supplementary insurance under the third party liability insurance, which is the expansion and extension of the third party liability insurance, and can only be insured if the third party liability insurance is insured . However, in the event of a liability accident, how insurance companies should deal with “car-induced liability under the car” is worth discussing.