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Regulation on Compulsory Auto Liability Insurance (2019 Amendment PKULAW Version) [Effective]
机动车交通事故责任强制保险条例(2019修正) [现行有效]
【法宝引证码】

Regulation on Compulsory Auto Liability Insurance 

机动车交通事故责任强制保险条例

(Issued by Order No. 462 of the State Council of the People's Republic of China on March 21, 2006; revised for the first time in accordance with the Decision of the State Council to Amend the Regulation on Compulsory Auto Liability Insurance on March 30, 2012; revised for the second time in accordance with the Decision of the State Council to Amend the Regulation on Compulsory Auto Liability Insurance on December 17, 2012, by Order No. 630 of the State Council; revised for the third time in accordance with the Decision of the State Council to Amend Certain Administrative Regulations

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by Order No. 666 of the State Council on February 6, 2016; and amended in accordance with the Decision of the State Council to Amend Certain Administrative Regulations on March 2, 2019)
 (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》修正 )

 
Chapter I General Provisions 

第一章 总  则

 
Article 1 This Regulation is developed in accordance with the Road Traffic Safety Law of the People's Republic of China 画风不对,如何相爱and the Insurance Law of the People's Republic of China for the purposes of ensuring the indemnification of victims in road motor vehicle traffic accidents according to the law and promoting road traffic safety.   第一条 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。
Article 2 The owners or managers of motor vehicles driving on the roads within the territory of the People's Republic of China shall take out compulsory auto liability insurance in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China.   第二条 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 insurance application, compensation, and regulation of compulsory auto liability insurance shall be governed by this Regulation. 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。
Article 3 For the purposes of this Regulation, “compulsory auto liability insurance” means the compulsory liability insurance in which an insurance company compensates, within the limit of indemnity, the victims other than the persons in the insured motor vehicles and the insured for their bodily injuries or deaths and property losses arising from road traffic accidents involving the insured motor vehicles.   第三条 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。
Article 4 The insurance regulatory authority of the State Council shall, according to the law, regulate the compulsory auto liability insurance business of insurance companies.   第四条 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 traffic control divisions of the public security authorities and the departments of agriculture (farm machinery) (hereinafter collectively referred to as the “administrative departments of motor vehicles”) shall conduct supervisory inspection on motor vehicles' participation in compulsory auto liability insurance. The administrative departments of motor vehicles shall not register motor vehicles which have not participated in compulsory auto liability insurance, and the technical inspection institutions for motor vehicle safety shall not inspect such motor vehicles. 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 control divisions of the public security authorities and the traffic police shall, in the investigation and handling of road traffic safety illegal acts and road traffic accidents, check the insurance marks of compulsory auto liability insurance according to the law. 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。
Chapter II Insurance Application 

第二章 投  保

Article 5 Insurance companies may engage in compulsory auto liability insurance business.   第五条 保险公司可以从事机动车交通事故责任强制保险业务。
To ensure the implementation of the compulsory auto liability insurance system, the insurance regulatory authority of the State Council shall have the authority to require insurance companies to engage in compulsory auto liability insurance business. 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。
No entity or individual except insurance companies may engage in compulsory auto liability insurance business. 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。
Article 6 Compulsory auto liability insurance shall adopt uniform insurance clauses and base premium rates. The insurance regulatory authority of the State Council shall approve premium rates under the principle of “no profit and no loss in general” in compulsory auto liability insurance business.   第六条 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。
In the process of approving premium rates, the insurance regulatory authority of the State Council may retain relevant professional institutions to conduct assessment, and hold public hearings to solicit public opinions. 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。
Article 7 An insurance company shall manage its compulsory auto liability insurance business separately from other insurance business, and conduct accounting separately.   第七条 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 insurance regulatory authority of the State Council shall annually review the compulsory auto liability insurance business of insurance companies, and disclose the results to the public; and may require or allow insurance companies to adjust premium rates according to the profit or loss in general of the compulsory auto liability insurance business of insurance companies. 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 hold a public hearing for relatively significant adjustment of premium rates. 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。
Article 8 Where an insured motor vehicle is not involved in any road traffic safety illegal act or any road traffic accident, the insurance company shall reduce its premium rate in the following year. If, in the following years, the insured motor vehicle is still not involved in any road traffic safety illegal act or any road traffic accident, the insurance company shall continue to reduce its premium rate until the minimum standard. Where an insured motor vehicle is involved in any road traffic safety illegal act or any road traffic accident, the insurance company shall raise its premium rate in the following year. If the insured motor vehicle is involved in multiple road traffic safety illegal acts or road traffic accidents or is involved in any major road traffic accident, the insurance company shall significantly raise its premium rate. If the insured has no fault in road traffic accidents, the premium rate shall not be raised. The standards for reducing or raising premium rates shall be determined by the insurance regulatory authority of the State Council in conjunction with the public security department of the State Council.   第八条 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。
Article 9 The insurance regulatory authority of the State Council, the public security department of the State Council, the agriculture department of the State Council, and other relevant departments shall gradually establish an information sharing system of compulsory auto liability insurance, road traffic safety illegal acts, and road traffic accidents.   第九条 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。
Article 10 An insurance applicant shall choose an insurance company engaging in the compulsory auto liability insurance business when taking out the insurance, and the insurance company chosen shall not refuse to underwrite or delay underwriting the insurance.   第十条 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。
The insurance regulatory authority of the State Council shall disclose to the public the insurance companies that engage in the compulsory auto liability insurance business. 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。
Article 11 An insurance applicant shall, when taking out the insurance, honestly provide the insurance company with important information.   第十一条 投保人投保时,应当向保险公司如实告知重要事项。
The important information shall include: the type, factory brand and model, identification number, license plate number, and nature of use of the motor vehicle, the name, sex, age, domicile, and identity card or driver's license number (or organization code) of the owner or manager of the vehicle, information on accidents involved with the motor vehicle before renewal of insurance, and other information prescribed by the insurance regulatory authority of the State Council. 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。
Article 12 When a contract on compulsory auto liability insurance is concluded, the insurance applicant shall pay all the insurance premium in a lump sum; the insurance company shall issue an insurance policy and an insurance mark to the insurance applicant. The insurance policy and insurance mark shall indicate the policy number, license plate number, policy period, name and address of the insurance company, and telephone number for filing a claim. 北大法宝  第十二条 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。
The insured shall place the insurance mark onto the insured motor vehicle. 被保险人应当在被保险机动车上放置保险标志。
The design of insurance marks shall be uniform across the country. The insurance policy and insurance mark shall be produced under the supervision of the insurance regulatory authority of the State Council. No entity or individual may forge, alter, or use forged or altered insurance policies or insurance marks. 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。
Article 13 When a contract on compulsory auto liability insurance is concluded, the insurance applicant shall not require an insurance company to attach any conditions other than the insurance clauses and premium rate to the contract.   第十三条 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 a contract on compulsory auto liability insurance is concluded, the insurance company shall not force the insurance applicant to sign a commercial insurance contract or require additional conditions to be attached to the contract. 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。
Article 14 An insurance company shall not rescind a contract on compulsory auto liability insurance, unless the insurance applicant fails to perform the obligation of honestly providing important information.   第十四条 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。
Where an insurance applicant fails to perform the obligation of honestly providing important information, the insurance company shall, before rescinding the contract, notify in writing the insurance applicant, and the insurance applicant shall perform the obligation of honestly providing important information within five days of receipt of the notice; and if the insurance applicant performs the obligation of honestly providing important information during the aforesaid period, the insurance company shall not rescind the contract. 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。
Article 15 An insurance company which rescinds a contract on compulsory auto liability insurance shall retract the insurance policy and insurance mark, and notify in writing the administration department of motor vehicles.   第十五条 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。
Article 16 An insurance applicant shall not rescind a contract on compulsory auto liability insurance, except under any of the following circumstances:   第十六条 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:
(1) The registration of the insured motor vehicle is legally cancelled. (一)被保险机动车被依法注销登记的;
(2) The insured motor vehicle has undergone the non-use formalities. (二)被保险机动车办理停驶的;
(3) The loss of the insured motor vehicle is certified by the public security authority. (三)被保险机动车经公安机关证实丢失的。
Article 17 Before a contract on compulsory auto liability insurance is rescinded, the insurance company shall assume insurance liability under the contract.   第十七条 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。
When the contract is rescinded, the insurance company may collect the insurance premium from the day when its insurance liability begins until day when the contract is rescinded, and the remaining premium shall be refunded to the insurance applicant. 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。
Article 18 Where the title to an insured motor vehicle is transferred, the formalities for modification of the contract on compulsory auto liability insurance shall be undergone.   第十八条 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。
Article 19 Where a contract on compulsory auto liability insurance expires, the insurance applicant shall renew the insurance in a timely manner, and provide the insurance policy for the prior year.   第十九条 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。
Article 20 The insurance period of compulsory auto liability insurance shall be one year, but under any of the following circumstances, an insurance applicant may take out short-term compulsory auto liability insurance:   第二十条 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:
(1) An overseas motor vehicle enters China temporarily. (一)境外机动车临时入境的;
(2) A motor vehicle drives on the road temporarily. (二)机动车临时上道路行驶的;
(3) It is less than one year for a motor vehicle to be retired. (三)机动车距规定的报废期限不足1年的;
(4) Other circumstances as set out by the insurance regulatory authority of the State Council. (四)国务院保险监督管理机构规定的其他情形。
Chapter III Compensation 

第三章 赔  偿

Article 21 Where an insured motor vehicle is involved in any road traffic accident, causing any bodily injuries to, deaths of, or property losses to the victims other than the persons in the motor vehicle and the insured, the insurance company shall compensate them within the limit of indemnity of compulsory auto liability insurance.   第二十一条 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。
If the losses in a road traffic accident are caused by the victims on purpose, the insurance company shall compensate them for such losses. 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。
Article 22 Under any of the following circumstances, an insurance company shall advance rescue expenses within the limit of indemnity of compulsory auto liability insurance, and be entitled to recover such expenses from the tortfeasor:   第二十二条 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:
(1) The driver fails to obtain a qualification for driving or drives under the influence of alcohol. (一)驾驶人未取得驾驶资格或者醉酒的;
(2) The insured motor vehicle causing the accident is a stolen one. (二)被保险机动车被盗抢期间肇事的;
(3) The insured creates a road traffic accident on purpose. (三)被保险人故意制造道路交通事故的。
Where a road traffic accident under any of the aforesaid circumstances occurs, causing property losses to the victims, the insurance company shall not assume compensatory liabilities. 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。
Article 23 The limit of indemnity of compulsory auto liability insurance shall be uniform across the country. The limit of indemnity shall include limit of indemnity for death, injury, or disability, limit of indemnity for medical expenses, limit of indemnity for property losses, and limit of indemnity for a no-fault insured in a road traffic accident.   第二十三条 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。
The limit of indemnity for compulsory auto liability insurance shall be prescribed by the insurance regulatory authority of the State Council in conjunction with the public security department of the State Council, health department of the State Council, and the agriculture department of the State Council. 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。
Article 24 The state shall establish a Social Assistance Fund for Road Traffic Accidents (hereinafter referred to as the “Assistance Fund”). Under any of the following circumstances, the Assistance Fund shall advance the funeral expenses and part or all of the rescue expenses for the bodily injuries to and deaths of the victims in road traffic accidents, and the Assistance Fund management institutions shall be entitled to recover such expenses from those liable for the road traffic accidents:   第二十四条 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:
(1) The rescue expenses exceed the limit of indemnity of compulsory auto liability insurance. (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;
(2) The motor vehicles causing the accidents have not participated in compulsory auto 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;
(3) The motor vehicles escape after causing the accidents. (三)机动车肇事后逃逸的。
Article 25 The funds of the Assistance Fund shall come from:   第二十五条 救助基金的来源包括:
(1) The funds set aside at a certain percentage of the insurance premiums for compulsory auto liability insurance. (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;
(2) The fines imposed on the owners or managers of motor vehicles which fail to take out compulsory auto liability insurance as required. (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;
(3) The funds recovered by the Assistance Fund management institutions from those liable for road traffic accidents. (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;
(4) Fruits accruing to the Assistance Fund. (四)救助基金孳息;
(5) Other funds. (五)其他资金。
Article 26 The specific measures for the administration of the Assistance Fund shall be developed by the finance department of the State Council in conjunction with the insurance regulatory authority of the State Council, the public security department of the State Council, the health department of the State Council, and the agriculture department of the State Council for trial implementation. 我我我什么都没做  第二十六条 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。
Article 27 Where an insured motor vehicle is involved in any road traffic accident, and the insured or the victim notifies the insurance company, the insurance company shall response immediately, informing the insured or the victim of the specific compensation procedures and other relevant matters.   第二十七条 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。
Article 28 Where an insured motor vehicle is involved in a road traffic accident, an application for compensation shall be submitted to the insurance company by the insured. The insurance company shall, within one day of receipt of the application for compensation, notify in writing the insured of the certificates and materials related to compensation that need to be provided to the insurance company.   第二十八条 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。
Article 29 An insurance company shall, within five days of receipt of the certificates and materials provided by the insured, confirm whether the accident falls within the coverage, and notify the insured of the result. If it is outside the coverage, it shall provide a written explanation of the reasons; or if it falls within the coverage, it shall pay indemnity within ten days after concluding an agreement on claim payment with the insured.   第二十九条 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。
Article 30 Where the insured and the insurance company are in dispute over compensation, they may apply for arbitration or institute an action in the people's court.   第三十条 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。
Article 31 An insurance company may pay indemnity to the insured or directly to the victims. However, where it is necessity for the insurance company to pay or advance rescue expenses to rescue the injured, the insurance company shall, after receiving a notice from the traffic control division of the public security authority, pay or advance rescue expenses to the medical institutions in a timely manner upon verification.   第三十一条 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。
Where it is necessity for an Assistance Fund management institution to advance rescue expenses to rescue the injured, the Assistance Fund management institution shall, after receiving a notice from the traffic control division of the public security authority, advance rescue expenses to the medical institutions in a timely manner upon 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。
Article 32 Medical institutions shall rescue and treat the persons injured in road traffic accidents by referring to the relevant clinical practice guidelines formulated under the organization of the health department of the State Council.   第三十二条 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。
Article 33 Where an insurance company which is to pay indemnity or advance rescue expenses or an Assistance Fund management institution which is to advance rescue expenses needs to verify relevant information with the relevant department or medical institution, the relevant department or medical institution shall provide cooperation.   第三十三条 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。
Article 34 The staff members of an insurance company or an Assistance Fund management institution shall keep the individual privacy of the parties confidential.   第三十四条 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。
Article 35 The items and standards of damages in road traffic accidents shall be governed by the provisions of relevant laws.   第三十五条 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。
Chapter IV Punishment Provisions 

第四章 罚  则

Article 36 Where any entity other than an insurance company or any individual illegally engages in compulsory auto liability insurance business, the insurance regulatory authority of the State Council shall ban the operation; if it is criminally punishable, the entity or individual shall be held criminally liable according to the law; or if it is not criminally punishable, the insurance regulatory authority of the State Council shall confiscate the illegal income, and impose a fine of not less than one nor more than five times the illegal income on the entity or individual if the illegal income is more than 200,000 yuan or a fine of not less than 200,000 yuan nor more than 1 million yuan on the entity or individual if there is no illegal income or the illegal income is less than 200,000 yuan.   第三十六条 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。
Article 37 Where an insurance company commits any of the following conduct in violation of the provisions of this Regulation, the insurance regulatory authority of the State Council shall order it to take corrective action, and impose a fine of not less than 50,000 yuan nor more than 300,000 yuan on it; and if the circumstances are serious, may restrict its business scope, and order it to stop accepting new business or revoke its insurance business permit:   第三十七条 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:
(1) Refusing to underwrite or delaying underwriting compulsory auto liability insurance. (一)拒绝或者拖延承保机动车交通事故责任强制保险的;
(2) Failing to provide compulsory auto liability insurance in accordance with the uniform insurance clauses and base premium rates. (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;
(3) Failing to manage compulsory auto liability insurance business separately from other insurance business or failing to conduct accounting separately. (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;
(4) Forcing insurance applicants to conclude commercial insurance contracts. (四)强制投保人订立商业保险合同的;
(5) Rescinding contracts on compulsory auto liability insurance in violation of relevant provisions. (五)违反规定解除机动车交通事故责任强制保险合同的;
(6) Refusing to perform the agreed obligations of paying indemnities. (六)拒不履行约定的赔偿保险金义务的;
(7) Failing to pay or advance rescue expenses in a timely manner as required. (七)未按照规定及时支付或者垫付抢救费用的。
Article 38 Where any owner or manager of a motor vehicle fails to take out compulsory auto liability insurance as required, the traffic control division of the public security authority shall impound the motor vehicle, notify the owner or manager of the motor vehicle of taking out the insurance as required, and impose a fine of two times the insurance premium payable for the minimum limit of indemnity as required.   第三十八条 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 the owner or manager of the motor vehicle has taken out compulsory auto liability insurance afterwards as required, the traffic control division of the public security authority shall return the motor vehicle in a timely manner. 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。
Article 39 Where no insurance mark is placed onto a motor vehicle driving on the road, the traffic control division of the public security authority shall impound the motor vehicle, and notify the party of providing the insurance mark or undergoing the corresponding formalities, and may issue a warning to or impose a fine of not less than 20 yuan nor more than 200 yuan on the party.   第三十九条 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 the party has provided the insurance mark or undergone the corresponding formalities afterwards, the traffic control division of the public security authority shall return the motor vehicle in a timely manner. 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。
Article 40 Whoever forges, alters, or uses any forged or altered insurance mark or uses the insurance mark of any other motor vehicle shall be fined not less than 200 yuan nor more than 2,000 yuan by the traffic control division of the public security authority, with the insurance mark confiscated and the motor vehicle impounded; and if it is criminally punishable, shall be held criminally liable according to the law.   第四十条 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。
If the party has provided the corresponding legal certificate or undergone the corresponding formalities afterwards, the traffic control division of the public security authority shall return the motor vehicle in a timely manner. 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。
Chapter V Supplemental Provisions 

第五章 附  则

Article 41 The following terms in this Regulation shall have the following meanings:   第四十一条 本条例下列用语的含义:
(1) “Insurance applicant” means the owner or manager of a motor vehicle who concludes a contract on compulsory auto liability insurance with an insurance company and has the obligation to pay the insurance premium under the contract. (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。
(2) “Insured” means the insurance applicant and the lawful drivers allowed by the insurance applicant. (二)被保险人,是指投保人及其允许的合法驾驶人。
(3) “Rescue expenses” means the medical expenses on the necessary treating measures taken by medical institutions by referring to the relevant clinical practice guidelines formulated under the organization of the health department of the State Council, when there are persons injured in road traffic accidents, for injured persons whose vital signs are unstable and injured persons whose vital signs are stable but who may die or sustain disability, organ dysfunction, or substantial extension of the course of treatment if such measures are not taken. (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。
Article 42 Compulsory auto liability insurance is not required for trailers. Where a road traffic accident causes any bodily injuries or deaths or property losses, the insurance company for the tractor shall make compensation within the limit of indemnity of compulsory auto liability insurance; and for any deficit, the tractor side and the trailer side shall assume compensatory liabilities according to the law.   第四十二条 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。
Article 43 This Regulation shall apply, mutatis mutandis, to the compensation for bodily injuries, deaths, and property losses caused by motor vehicle accidents that occur off road.   第四十三条 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。
Article 44 The measures for the in-service motor vehicles of the Chinese People's Liberation Army and the Chinese People's Armed Police Forces to participate in compulsory auto liability insurance shall be additionally developed by the Chinese People's Liberation Army and the Chinese People's Armed Police Forces.   第四十四条 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。
Article 45 The owners and managers of motor vehicles shall take out compulsory auto liability insurance within three months after this Regulation comes into force; and those that have taken out the third party liability commercial insurance for motor vehicles before this Regulation comes into force shall take out compulsory auto liability insurance upon expiry of the insurance period.   第四十五条 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。
Article 46 This Regulation shall come into force on July 1, 2006.   第四十六条 本条例自2006年7月1日起施行。
     
     
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