KYB CHINA(2006年3月21日中华人民共和国国务院令第462号公布 根据2012年3月30日《国务院关于修改〈机动车交通事故责任强制保险条例〉的决定》第一次修订 根据2012年12月17日《国务院关于修改〈机动车交通事故责任强制保险条例〉的决定》第二次修订 根据2016年2月6日《国务院关于修改部分行政法规的决定》第三次修订 根据2019年3月2日《国务院关于修改部分行政法规的决定》第四次修订)
(Promulgated by Decree No. 462 of the State Council of the People's Republic of China on March 21, 2006; first revision according to the Decision of the State Council on Amending the Regulations on Compulsory Traffic Accident Liability Insurance for Motor Vehicles on March 30, 2012; second revision according to the Decision of the State Council on Amending the Regulations on Compulsory Traffic Accident Liability Insurance for Motor Vehicles on December 17, 2012; third revision according to the Decision of the State Council on Amending Certain Administrative Regulations on February 6, 2016; fourth revision according to the Decision of the State Council on Amending Certain Administrative Regulations on March 2, 2019)
总则
General Provisions
为了保障机动车道路交通事故受害人依法得到赔偿，促进道路交通安全，根据《中华人民共和国道路交通安全法》、《中华人民共和国保险法》，制定本条例。
These Regulations are formulated in accordance with the Road Traffic Safety Law of the People's Republic of China and the Insurance Law of the People's Republic of China for the purposes of ensuring that victims of road traffic accidents involving motor vehicles receive compensation in accordance with the law and promoting road traffic safety.
在中华人民共和国境内道路上行驶的机动车的所有人或者管理人，应当依照《中华人民共和国道路交通安全法》的规定投保机动车交通事故责任强制保险。
The owner or manager of a motor vehicle driven on the roads within the territory of the People's Republic of China shall, in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China, purchase compulsory traffic accident liability insurance for motor vehicles.
机动车交通事故责任强制保险的投保、赔偿和监督管理，适用本条例。
The purchase, compensation, and supervision and management of compulsory traffic accident liability insurance for motor vehicles shall be governed by these Regulations.
本条例所称机动车交通事故责任强制保险，是指由保险公司对被保险机动车发生道路交通事故造成本车人员、被保险人以外的受害人的人身伤亡、财产损失，在责任限额内予以赔偿的强制性责任保险。
For the purposes of these Regulations, 'compulsory traffic accident liability insurance for motor vehicles' means the compulsory liability insurance whereby an insurance company compensates, within the liability limit, for the personal injury or death and property damage of a victim other than the personnel of the insured motor vehicle and the insured, arising from a road traffic accident involving the insured motor vehicle.
国务院保险监督管理机构依法对保险公司的机动车交通事故责任强制保险业务实施监督管理。
The insurance regulatory authority under the State Council shall, in accordance with the law, exercise supervision and management over the compulsory traffic accident liability insurance business of insurance companies.
公安机关交通管理部门、农业(农业机械)主管部门(以下统称机动车管理部门)应当依法对机动车参加机动车交通事故责任强制保险的情况实施监督检查。对未参加机动车交通事故责任强制保险的机动车，机动车管理部门不得予以登记，机动车安全技术检验机构不得予以检验。
The traffic management department of the public security organ and the competent agricultural (agricultural machinery) department (hereinafter collectively referred to as the motor vehicle management department) shall, in accordance with the law, exercise supervision and inspection over the participation of motor vehicles in compulsory traffic accident liability insurance. A motor vehicle that has not participated in compulsory traffic accident liability insurance shall not be registered by the motor vehicle management department, and shall not be inspected by the motor vehicle safety technical inspection institution.
公安机关交通管理部门及其交通警察在调查处理道路交通安全违法行为和道路交通事故时，应当依法检查机动车交通事故责任强制保险的保险标志。
The traffic management department of the public security organ and its traffic police shall, when investigating and handling road traffic safety violations and road traffic accidents, inspect the insurance mark of compulsory traffic accident liability insurance for motor vehicles in accordance with the law.
投保
Insurance Purchase
保险公司可以从事机动车交通事故责任强制保险业务。
Insurance companies may engage in the business of compulsory traffic accident liability insurance for motor vehicles.
为了保证机动车交通事故责任强制保险制度的实行，国务院保险监督管理机构有权要求保险公司从事机动车交通事故责任强制保险业务。
In order to ensure the implementation of the compulsory traffic accident liability insurance system for motor vehicles, the insurance regulatory authority of the State Council has the authority to require insurance companies to engage in the business of compulsory traffic accident liability insurance for motor vehicles.
除保险公司外，任何单位或者个人不得从事机动车交通事故责任强制保险业务。
No entity or individual other than an insurance company may engage in the business of compulsory traffic accident liability insurance for motor vehicles.
机动车交通事故责任强制保险实行统一的保险条款和基础保险费率。国务院保险监督管理机构按照机动车交通事故责任强制保险业务总体上不盈利不亏损的原则审批保险费率。
Compulsory traffic accident liability insurance for motor vehicles shall adopt unified insurance terms and basic premium rates. The insurance regulatory authority of the State Council shall approve the premium rates in accordance with the principle that the overall business of compulsory traffic accident liability insurance for motor vehicles shall not be profitable or loss-making.
国务院保险监督管理机构在审批保险费率时，可以聘请有关专业机构进行评估，可以举行听证会听取公众意见。
When approving the premium rates, the insurance regulatory authority of the State Council may engage relevant professional institutions to conduct assessments and may hold hearings to solicit public opinions.
保险公司的机动车交通事故责任强制保险业务，应当与其他保险业务分开管理，单独核算。
The compulsory traffic accident liability insurance business of an insurance company shall be managed separately from other insurance businesses and accounted for independently.
国务院保险监督管理机构应当每年对保险公司的机动车交通事故责任强制保险业务情况进行核查，并向社会公布；根据保险公司机动车交通事故责任强制保险业务的总体盈利或者亏损情况，可以要求或者允许保险公司相应调整保险费率。
The insurance regulatory authority of the State Council shall annually inspect the compulsory traffic accident liability insurance business of insurance companies and make the results public; based on the overall profit or loss of the insurance companies' compulsory traffic accident liability insurance business, it may require or allow insurance companies to adjust the premium rates accordingly.
调整保险费率的幅度较大的，国务院保险监督管理机构应当进行听证。
If the adjustment of premium rates is relatively large, the insurance regulatory authority of the State Council shall hold a hearing.
被保险机动车没有发生道路交通安全违法行为和道路交通事故的，保险公司应当在下一年度降低其保险费率。在此后的年度内，被保险机动车仍然没有发生道路交通安全违法行为和道路交通事故的，保险公司应当继续降低其保险费率，直至最低标准。被保险机动车发生道路交通安全违法行为或者道路交通事故的，保险公司应当在下一年度提高其保险费率。多次发生道路交通安全违法行为、道路交通事故，或者发生重大道路交通事故的，保险公司应当加大提高其保险费率的幅度。在道路交通事故中被保险人没有过错的，不提高其保险费率。降低或者提高保险费率的标准，由国务院保险监督管理机构会同国务院公安部门制定。
If the insured motor vehicle has no road traffic safety violations or road traffic accidents, the insurance company shall reduce its premium rate for the following year. In subsequent years, if the insured motor vehicle still has no road traffic safety violations or road traffic accidents, the insurance company shall continue to reduce its premium rate until the minimum standard is reached. If the insured motor vehicle has road traffic safety violations or road traffic accidents, the insurance company shall increase its premium rate for the following year. If there are multiple road traffic safety violations, road traffic accidents, or a major road traffic accident, the insurance company shall increase the premium rate by a larger margin. If the insured is not at fault in a road traffic accident, the premium rate shall not be increased. The standards for reducing or increasing the premium rate shall be formulated by the insurance regulatory authority of the State Council jointly with the public security department of the State Council.
国务院保险监督管理机构、国务院公安部门、国务院农业主管部门以及其他有关部门应当逐步建立有关机动车交通事故责任强制保险、道路交通安全违法行为和道路交通事故的信息共享机制。
The insurance regulatory authority of the State Council, the public security department of the State Council, the agriculturalcompetent authority of the State Council, and other relevant departments shall gradually establish an information sharing mechanism concerning compulsory traffic accident liability insurance for motor vehicles, road traffic safety violations, and road traffic accidents.
投保人在投保时应当选择从事机动车交通事故责任强制保险业务的保险公司，被选择的保险公司不得拒绝或者拖延承保。
When taking out insurance, the policyholder shall select an insurance company that engages in the business of compulsory traffic accident liability insurance for motor vehicles, and the selected insurance company shall not refuse or delay underwriting.
国务院保险监督管理机构应当将从事机动车交通事故责任强制保险业务的保险公司向社会公示。
The insurance regulatory authority under the State Council shall publicly announce the insurance companies that engage in the business of compulsory traffic accident liability insurance for motor vehicles.
投保人投保时，应当向保险公司如实告知重要事项。
When taking out insurance, the policyholder shall truthfully inform the insurance company of the important matters.
重要事项包括机动车的种类、厂牌型号、识别代码、牌照号码、使用性质和机动车所有人或者管理人的姓名(名称)、性别、年龄、住所、身份证或者驾驶证号码(组织机构代码)、续保前该机动车发生事故的情况以及国务院保险监督管理机构规定的其他事项。
Important matters include the type, brand and model, identification code, license plate number, nature of use of the motor vehicle, and the name (title), gender, age, domicile, identification card or driver's license number (organization code) of the owner or manager of the motor vehicle, the circumstances of accidents involving the motor vehicle before renewal, and other matters prescribed by the insurance regulatory authority under the State Council.
签订机动车交通事故责任强制保险合同时，投保人应当一次支付全部保险费；保险公司应当向投保人签发保险单、保险标志。保险单、保险标志应当注明保险单号码、车牌号码、保险期限、保险公司的名称、地址和理赔电话号码。
When concluding a contract for compulsory traffic accident liability insurance for motor vehicles, the policyholder shall pay the full insurance premium in one lump sum; the insurance company shall issue an insurance policy and an insurance mark to the policyholder. The insurance policy and insurance mark shall indicate the policy number, license plate number, insurance period, name and address of the insurance company, and the claims telephone number.
被保险人应当在被保险机动车上放置保险标志。
The insured shall place the insurance mark on the insured motor vehicle.
保险标志式样全国统一。保险单、保险标志由国务院保险监督管理机构监制。任何单位或者个人不得伪造、变造或者使用伪造、变造的保险单、保险标志。
The form of the insurance mark shall be uniform nationwide. The insurance policy and insurance mark shall be produced under the supervision of the insurance regulatory authority under the State Council. No unit or individual may forge, alter, or use forged or altered insurance policies or insurance marks.
签订机动车交通事故责任强制保险合同时，投保人不得在保险条款和保险费率之外，向保险公司提出附加其他条件的要求。
When concluding a contract for compulsory traffic accident liability insurance for motor vehicles, the policyholder shall not make additional requests to the insurance company beyond the insurance clauses and premium rates.
签订机动车交通事故责任强制保险合同时，保险公司不得强制投保人订立商业保险合同以及提出附加其他条件的要求。
When concluding a contract for compulsory traffic accident liability insurance for motor vehicles, the insurance company shall not compel the policyholder to conclude a commercial insurance contract or make additional requests.
保险公司不得解除机动车交通事故责任强制保险合同；但是，投保人对重要事项未履行如实告知义务的除外。
The insurance company shall not rescind the contract for compulsory traffic accident liability insurance for motor vehicles; except where the policyholder fails to fulfill the obligation of truthful disclosure of important matters.
投保人对重要事项未履行如实告知义务，保险公司解除合同前，应当书面通知投保人，投保人应当自收到通知之日起5日内履行如实告知义务；投保人在上述期限内履行如实告知义务的，保险公司不得解除合同。
If the policyholder fails to fulfill the duty of truthful disclosure regarding important matters, the insurance company shall notify the policyholder in writing before rescinding the contract, and the policyholder shall fulfill the duty of truthful disclosure within 5 days from receipt of the notice; if the policyholder fulfills the duty within the above period, the insurance company shall not rescind the contract.
保险公司解除机动车交通事故责任强制保险合同的，应当收回保险单和保险标志，并书面通知机动车管理部门。
When an insurance company rescinds a compulsory motor vehicle traffic accident liability insurance contract, it shall retrieve the insurance policy and insurance mark, and notify the motor vehicle management department in writing.
投保人不得解除机动车交通事故责任强制保险合同，但有下列情形之一的除外：
The policyholder shall not rescind the compulsory motor vehicle traffic accident liability insurance contract, except in the following circumstances:
(一)被保险机动车被依法注销登记的；
(1) The insured motor vehicle has been legally deregistered;
(二)被保险机动车办理停驶的；
(2) The insured motor vehicle has been suspended from operation;
(三)被保险机动车经公安机关证实丢失的。
(3) The insured motor vehicle has been confirmed lost by the public security organ.
机动车交通事故责任强制保险合同解除前，保险公司应当按照合同承担保险责任。
Before the rescission of the compulsory motor vehicle traffic accident liability insurance contract, the insurance company shall bear insurance liability in accordance with the contract.
合同解除时，保险公司可以收取自保险责任开始之日起至合同解除之日止的保险费，剩余部分的保险费退还投保人。
Upon rescission of the contract, the insurance company may collect the insurance premium from the start of insurance liability to the date of rescission, and the remaining premium shall be refunded to the policyholder.
被保险机动车所有权转移的，应当办理机动车交通事故责任强制保险合同变更手续。
If the ownership of the insured motor vehicle is transferred, the procedures for changing the compulsory motor vehicle traffic accident liability insurance contract shall be carried out.
机动车交通事故责任强制保险合同期满，投保人应当及时续保，并提供上一年度的保险单。
Upon expiration of the compulsory motor vehicle traffic accident liability insurance contract, the policyholder shall promptly renew the insurance and provide the insurance policy of the previous year.
机动车交通事故责任强制保险的保险期间为1年，但有下列情形之一的，投保人可以投保短期机动车交通事故责任强制保险：
The insurance period for compulsory motor vehicle traffic accident liability insurance is one year, except that under any of the following circumstances, the applicant may purchase short-term compulsory motor vehicle traffic accident liability insurance:
(一)境外机动车临时入境的；
(1) A foreign motor vehicle temporarily entering the country;
(二)机动车临时上道路行驶的；
(2) A motor vehicle temporarily driving on the road;
(三)机动车距规定的报废期限不足1年的；
(3) The motor vehicle has less than one year until the prescribed scrap deadline;
(四)国务院保险监督管理机构规定的其他情形。
(4) Other circumstances prescribed by the insurance regulatory authority of the State Council.
赔偿
Compensation
被保险机动车发生道路交通事故造成本车人员、被保险人以外的受害人人身伤亡、财产损失的，由保险公司依法在机动车交通事故责任强制保险责任限额范围内予以赔偿。
Where an insured motor vehicle causes personal injury or death or property damage to a victim other than the vehicle's occupants and the insured in a road traffic accident, the insurance company shall compensate within the liability limit of the compulsory motor vehicle traffic accident liability insurance in accordance with the law.
道路交通事故的损失是由受害人故意造成的，保险公司不予赔偿。
If the loss from a road traffic accident is intentionally caused by the victim, the insurance company shall not compensate.
有下列情形之一的，保险公司在机动车交通事故责任强制保险责任限额范围内垫付抢救费用，并有权向致害人追偿：
Under any of the following circumstances, the insurance company shall advance rescue costs within the liability limit of the compulsory motor vehicle traffic accident liability insurance and has the right to recover from the person causing the injury:
(一)驾驶人未取得驾驶资格或者醉酒的；
(1) The driver does not have a driving qualification or is drunk;
(二)被保险机动车被盗抢期间肇事的；
(2) The insured motor vehicle is involved in an accident during theft or robbery;
(三)被保险人故意制造道路交通事故的。
(3) The insured intentionally causes a road traffic accident.
有前款所列情形之一，发生道路交通事故的，造成受害人的财产损失，保险公司不承担赔偿责任。
If any of the circumstances listed in the preceding paragraph occurs and a road traffic accident results in property damage to the victim, the insurance company shall not be liable for compensation.
机动车交通事故责任强制保险在全国范围内实行统一的责任限额。责任限额分为死亡伤残赔偿限额、医疗费用赔偿限额、财产损失赔偿限额以及被保险人在道路交通事故中无责任的赔偿限额。
Compulsory motor vehicle traffic accident liability insurance shall implement uniform liability limits nationwide. The liability limits are divided into a death/disability compensation limit, a medical expense compensation limit, a property damage compensation limit, and a compensation limit for the insured who is not at fault in a road traffic accident.
机动车交通事故责任强制保险责任限额由国务院保险监督管理机构会同国务院公安部门、国务院卫生主管部门、国务院农业主管部门规定。
The liability limits for compulsory motor vehicle traffic accident liability insurance shall be prescribed by the insurance regulatory authority under the State Council jointly with the public security department, the health department, and the agricultural department under the State Council.
国家设立道路交通事故社会救助基金(以下简称救助基金)。有下列情形之一时，道路交通事故中受害人人身伤亡的丧葬费用、部分或者全部抢救费用，由救助基金先行垫付，救助基金管理机构有权向道路交通事故责任人追偿：
The State establishes a social assistance fund for road traffic accidents (hereinafter referred to as the assistance fund). In any of the following circumstances, the funeral expenses and part or all of the rescue expenses for personal injury or death of the victim in a road traffic accident shall be advanced by the assistance fund, and the assistance fund management institution has the right to recover from the person liable for the road traffic accident:
(一)抢救费用超过机动车交通事故责任强制保险责任限额的；
(1) The rescue expenses exceed the liability limit of compulsory motor vehicle traffic accident liability insurance;
(二)肇事机动车未参加机动车交通事故责任强制保险的；
(2) The motor vehicle causing the accident is not covered by compulsory motor vehicle traffic accident liability insurance;
(三)机动车肇事后逃逸的。
(3) The motor vehicle causing the accident flees after the accident.
救助基金的来源包括：
The sources of the assistance fund include:
(一)按照机动车交通事故责任强制保险的保险费的一定比例提取的资金；
(1) Funds drawn according to a certain percentage of the insurance premium for compulsory motor vehicle traffic accident liability insurance;
(二)对未按照规定投保机动车交通事故责任强制保险的机动车的所有人、管理人的罚款；
(2) Fines imposed on owners or managers of motor vehicles that fail to insure as required by compulsory motor vehicle traffic accident liability insurance;
(三)救助基金管理机构依法向道路交通事故责任人追偿的资金；
(3) Funds recovered by the rescue fund management institution from the persons liable for road traffic accidents in accordance with the law;
(四)救助基金孳息；
(4) Accrued interest on the rescue fund;
(五)其他资金。
(5) Other funds.
救助基金的具体管理办法，由国务院财政部门会同国务院保险监督管理机构、国务院公安部门、国务院卫生主管部门、国务院农业主管部门制定试行。
The specific management measures for the rescue fund shall be formulated and implemented on a trial basis by the finance department of the State Council jointly with the insurance regulatory authority of the State Council, the public security department of the State Council, the health authority of the State Council, and the agricultural authority of the State Council.
被保险机动车发生道路交通事故，被保险人或者受害人通知保险公司的，保险公司应当立即给予答复，告知被保险人或者受害人具体的赔偿程序等有关事项。
When an insured motor vehicle is involved in a road traffic accident, and the insured or the victim notifies the insurance company, the insurance company shall respond immediately and inform the insured or the victim of the specific compensation procedures and other relevant matters.
被保险机动车发生道路交通事故的，由被保险人向保险公司申请赔偿保险金。保险公司应当自收到赔偿申请之日起1日内，书面告知被保险人需要向保险公司提供的与赔偿有关的证明和资料。
When an insured motor vehicle is involved in a road traffic accident, the insured shall apply to the insurance company for compensation of insurance benefits. The insurance company shall, within one day from receipt of the compensation application, inform the insured in writing of the certificates and materials related to compensation that need to be provided to the insurance company.
保险公司应当自收到被保险人提供的证明和资料之日起5日内，对是否属于保险责任作出核定，并将结果通知被保险人；对不属于保险责任的，应当书面说明理由；对属于保险责任的，在与被保险人达成赔偿保险金的协议后10日内，赔偿保险金。
The insurance company shall, within five days from receipt of the certificates and materials provided by the insured, determine whether the accident falls within the scope of insurance liability and notify the insured of the result; if it does not fall within the scope of insurance liability, it shall state the reasons in writing; if it falls within the scope of insurance liability, it shall pay the insurance benefits within ten days after reaching an agreement on the compensation with the insured.
被保险人与保险公司对赔偿有争议的，可以依法申请仲裁或者向人民法院提起诉讼。
If there is a dispute between the insured and the insurance company over compensation, they may apply for arbitration or file a lawsuit with the people's court in accordance with the law.
保险公司可以向被保险人赔偿保险金，也可以直接向受害人赔偿保险金。但是，因抢救受伤人员需要保险公司支付或者垫付抢救费用的，保险公司在接到公安机关交通管理部门通知后，经核对应当及时向医疗机构支付或者垫付抢救费用。
An insurance company may pay insurance compensation to the insured, or directly pay insurance compensation to the victim. However, if the insurance company needs to pay or advance rescue costs for rescuing injured persons, the insurance company, upon receiving notice from the traffic management department of the public security organ, shall promptly pay or advance the rescue costs to the medical institution after verification.
因抢救受伤人员需要救助基金管理机构垫付抢救费用的，救助基金管理机构在接到公安机关交通管理部门通知后，经核对应当及时向医疗机构垫付抢救费用。
If the rescue fund management institution needs to advance rescue costs for rescuing injured persons, the rescue fund management institution, upon receiving notice from the traffic management department of the public security organ, shall promptly advance the rescue costs to the medical institution after verification.
医疗机构应当参照国务院卫生主管部门组织制定的有关临床诊疗指南，抢救、治疗道路交通事故中的受伤人员。
Medical institutions shall rescue and treat injured persons in road traffic accidents with reference to the relevant clinical diagnosis and treatment guidelines formulated by the health administrative department of the State Council.
保险公司赔偿保险金或者垫付抢救费用，救助基金管理机构垫付抢救费用，需要向有关部门、医疗机构核实有关情况的，有关部门、医疗机构应当予以配合。
When an insurance company pays insurance compensation or advances rescue costs, or a rescue fund management institution advances rescue costs, if it needs to verify relevant information with relevant departments or medical institutions, such departments or medical institutions shall cooperate.
保险公司、救助基金管理机构的工作人员对当事人的个人隐私应当保密。
Staff members of insurance companies and rescue fund management institutions shall keep the personal privacy of the parties confidential.
道路交通事故损害赔偿项目和标准依照有关法律的规定执行。
The items and standards for compensation for damages in road traffic accidents shall be implemented in accordance with the provisions of relevant laws.
罚则
Penalty Provisions
保险公司以外的单位或者个人，非法从事机动车交通事故责任强制保险业务的，由国务院保险监督管理机构予以取缔；构成犯罪的，依法追究刑事责任；尚不构成犯罪的，由国务院保险监督管理机构没收违法所得，违法所得20万元以上的，并处违法所得1倍以上5倍以下罚款；没有违法所得或者违法所得不足20万元的，处20万元以上100万元以下罚款。
If any unit or individual other than an insurance company illegally engages in compulsory motor vehicle traffic accident liability insurance business, the insurance regulatory authority of the State Council shall ban it; if a crime is constituted, criminal liability shall be pursued according to law; if a crime is not constituted, the insurance regulatory authority of the State Council shall confiscate the illegal gains, and if the illegal gains are more than 200,000 yuan, impose a fine of not less than one time but not more than five times the illegal gains; if there are no illegal gains or the illegal gains are less than 200,000 yuan, impose a fine of not less than 200,000 yuan but not more than 1,000,000 yuan.
保险公司违反本条例规定，有下列行为之一的，由国务院保险监督管理机构责令改正，处5万元以上30万元以下罚款；情节严重的，可以限制业务范围、责令停止接受新业务或者吊销经营保险业务许可证：
If an insurance company violates the provisions of these Regulations by committing any of the following acts, the insurance regulatory authority of the State Council shall order it to make corrections and impose a fine of not less than 50,000 yuan but not more than 300,000 yuan; if the circumstances are serious, it may restrict its business scope, order it to stop accepting new business, or revoke its insurance business license:
(一)拒绝或者拖延承保机动车交通事故责任强制保险的；
(1) Refusing or delaying to underwrite compulsory motor vehicle traffic accident liability insurance;
(二)未按照统一的保险条款和基础保险费率从事机动车交通事故责任强制保险业务的；
(2) Engaging in compulsory motor vehicle traffic accident liability insurance business not in accordance with uniform insurance clauses and basic premium rates;
(三)未将机动车交通事故责任强制保险业务和其他保险业务分开管理，单独核算的；
(3) Failing to manage compulsory motor vehicle traffic accident liability insurance business separately from other insurance businesses and to conduct independent accounting;
(四)强制投保人订立商业保险合同的；
(4) Forcing the policyholder to enter into a commercial insurance contract;
(五)违反规定解除机动车交通事故责任强制保险合同的；
(5) Terminating a compulsory motor vehicle traffic accident liability insurance contract in violation of regulations;
(六)拒不履行约定的赔偿保险金义务的；
(6) Refusing to perform the agreed obligation to pay insurance compensation;
(七)未按照规定及时支付或者垫付抢救费用的。
(7) Failing to pay or advance rescue costs in a timely manner as required.
机动车所有人、管理人未按照规定投保机动车交通事故责任强制保险的，由公安机关交通管理部门扣留机动车，通知机动车所有人、管理人依照规定投保，处依照规定投保最低责任限额应缴纳的保险费的2倍罚款。
If a motor vehicle owner or manager fails to purchase compulsory motor vehicle traffic accident liability insurance as required, the traffic management department of the public security organ shall detain the motor vehicle, notify the owner or manager to purchase insurance in accordance with regulations, and impose a fine of two times the premium payable for the minimum liability limit as required.
机动车所有人、管理人依照规定补办机动车交通事故责任强制保险的，应当及时退还机动车。
If the motor vehicle owner or manager subsequently purchases compulsory motor vehicle traffic accident liability insurance in accordance with regulations, the motor vehicle shall be returned promptly.
上道路行驶的机动车未放置保险标志的，公安机关交通管理部门应当扣留机动车，通知当事人提供保险标志或者补办相应手续，可以处警告或者20元以上200元以下罚款。
If a motor vehicle driven on the road does not display an insurance mark, the traffic management department of the public security organ shall detain the motor vehicle, notify the party to provide the insurance mark or complete the corresponding procedures, and may impose a warning or a fine of not less than 20 yuan but not more than 200 yuan.
当事人提供保险标志或者补办相应手续的，应当及时退还机动车。
If the party provides the insurance mark or completes the corresponding procedures, the motor vehicle shall be returned promptly.
伪造、变造或者使用伪造、变造的保险标志，或者使用其他机动车的保险标志，由公安机关交通管理部门予以收缴，扣留该机动车，处200元以上2000元以下罚款；构成犯罪的，依法追究刑事责任。
Whoever forges, alters, or uses forged or altered insurance marks, or uses insurance marks of other motor vehicles, shall have the marks confiscated by the traffic management department of the public security organ, the motor vehicle detained, and be fined not less than 200 yuan but not more than 2,000 yuan; if a crime is constituted, criminal liability shall be pursued according to law.
当事人提供相应的合法证明或者补办相应手续的，应当及时退还机动车。
If the party provides corresponding legal certificates or goes through the corresponding procedures, the motor vehicle shall be returned promptly.
附则
Supplementary Provisions
本条例下列用语的含义：
The meanings of the following terms in these Regulations:
(一)投保人，是指与保险公司订立机动车交通事故责任强制保险合同，并按照合同负有支付保险费义务的机动车的所有人、管理人。
(1) Policyholder refers to the owner or manager of a motor vehicle who enters into a compulsory traffic accident liability insurance contract with an insurance company and is obligated to pay the insurance premium according to the contract.
(二)被保险人，是指投保人及其允许的合法驾驶人。
(2) Insured refers to the policyholder and the legal drivers permitted by the policyholder.
(三)抢救费用，是指机动车发生道路交通事故导致人员受伤时，医疗机构参照国务院卫生主管部门组织制定的有关临床诊疗指南，对生命体征不平稳和虽然生命体征平稳但如果不采取处理措施会产生生命危险，或者导致残疾、器官功能障碍，或者导致病程明显延长的受伤人员，采取必要的处理措施所发生的医疗费用。
(3) Rescue costs refer to the medical expenses incurred when a motor vehicle traffic accident causes personal injury, and a medical institution, in accordance with the relevant clinical diagnosis and treatment guidelines formulated by the health administrative department of the State Council, takes necessary treatment measures for injured persons whose vital signs are unstable, or who, although vital signs are stable, would face life-threatening risks, disability, organ dysfunction, or significantly prolonged disease course if treatment measures are not taken.
挂车不投保机动车交通事故责任强制保险。发生道路交通事故造成人身伤亡、财产损失的，由牵引车投保的保险公司在机动车交通事故责任强制保险责任限额范围内予以赔偿；不足的部分，由牵引车方和挂车方依照法律规定承担赔偿责任。
Trailers are not required to take out compulsory traffic accident liability insurance. If a road traffic accident causes personal injury or property loss, the insurance company that insured the towing vehicle shall compensate within the liability limit of the compulsory traffic accident liability insurance; for the insufficient part, the towing vehicle party and the trailer party shall bear compensation liability in accordance with legal provisions.
机动车在道路以外的地方通行时发生事故，造成人身伤亡、财产损失的赔偿，比照适用本条例。
If a motor vehicle causes an accident while traveling outside a road, resulting in personal injury or property loss, compensation shall be made by applying these Regulations mutatis mutandis.
中国人民解放军和中国人民武装警察部队在编机动车参加机动车交通事故责任强制保险的办法，由中国人民解放军和中国人民武装警察部队另行规定。
The measures for motor vehicles on the rolls of the Chinese People's Liberation Army and the Chinese People's Armed Police Force to participate in compulsory traffic accident liability insurance shall be separately prescribed by the Chinese People's Liberation Army and the Chinese People's Armed Police Force.
机动车所有人、管理人自本条例施行之日起3个月内投保机动车交通事故责任强制保险；本条例施行前已经投保商业性机动车第三者责任保险的，保险期满，应当投保机动车交通事故责任强制保险。
Motor vehicle owners and managers shall purchase compulsory traffic accident liability insurance within three months from the effective date of these Regulations; those who have already purchased commercial motor vehicle third-party liability insurance before the effective date of these Regulations shall purchase compulsory traffic accident liability insurance upon the expiration of such insurance.
本条例自2006年7月1日起施行。
These Regulations shall come into force as of July 1, 2006.