| 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 by Order No. 666 of the State Council on February 6, 2016; and revised for the fourth time 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》第四次修订） |
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| Chapter I General Provisions | | 第一章 总 则 |
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| Article 1 This Regulation is developed 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 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. | | |
| 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.
．．．．．． | | 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。
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