论机动车第三者责任强制保险与自愿保险的区别

目前人们对机动车第三者责任强制保险还不甚了解。强制三者险与自愿三者险在目的、功能、性质、实施方式、责任范围、责任限额、索赔主体、条款费率制定方式、辅助补偿制度设置等诸多方面都存在着区别，这些正是强制三者险制度的特性所在。我们必须在正确理解强制三者险制度特征的基础上通过科学地完善有关立法，尽快建立健全该项制度。

On Differences between Mandatory and Voluntary Motor Vehicle Third-Party Liability Insurance

There is a lack of understanding of mandatory motor vehicle third-party liability insurance at the moment. Mandatory third-party insurance and voluntary third-party insurance are different in areas such as purpose of insurance, function of insurance, characteristics, way of implementation, scope of liabilities, liability limit, claimant, premium rate and supplementary compensation system etc. These happen to be the features of mandatory third-party insurance. We should complete and perfect the mandatory third-party insurance system through scientifically completing relevant legislation, based on our right understanding of its features.