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Regulation on Compulsory Traffic Accident Liability Insurance for Motor Vehicles (2012 the Second Revision) [Revised]
机动车交通事故责任强制保险条例(2012第二次修订) [已被修订]
【法宝引证码】

 

Regulation on Compulsory Traffic Accident Liability Insurance for Motor Vehicles 

机动车交通事故责任强制保险条例


(Promulgated by the Order No. 462 of the State Council of the People's Republic of China on March 21, 2006; amended for the first time in accordance with the Decision of the State Council on Amending the Regulation on Compulsory Traffic Accident Liability Insurance for Motor Vehicles on March 30, 2012; and amended for the second time in accordance with the Decision of the State Council on Amending the Regulation on Compulsory Traffic Accident Liability Insurance for Motor Vehicles on December 17, 2012 by the Order No. 630 of the State Council)
 
(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 国务院令第630号)


 

第一章 总  则

Chapter I General Provisions 

   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 1 The present Regulation is 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 purpose of ensuring that the victims in road motor vehicle traffic accidents may be compensated, and promoting road traffic safety. 

   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。
Article 2 The owners or managers of the motor vehicles driving on the roads within the People's Republic of China shall purchase compulsory traffic accident liability insurance for motor vehicles (hereinafter referred to as the “compulsory motor vehicle liability insurance”) in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China. 
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 present Regulation shall be applicable to the purchase and compensation of compulsory motor vehicle liability insurance, and the supervision and administration thereof.
 

   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 3 The compulsory motor vehicle liability insurance as mentioned in the present Regulation shall refer to the compulsory liability insurance of an insurance company, which gives compensation within the limit of liability to the victims other than the personnel of the motor vehicles and the insured for their bodily injuries and death and property losses arising from the road traffic accidents caused by the insured motor vehicles. 

   第四条 国务院保险监督管理机构(以下称保监会)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。
Article 4 The insurance regulatory institution of the State Council (hereinafter referred to as the CIRC) shall conduct supervision and administration on the business of compulsory motor vehicle liability insurance of the 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 control department of the public security organs and the competent department of agriculture (farm machinery) (hereinafter called uniformly as the administrative departments of motor vehicles) shall make supervision and inspection on motor vehicles for their purchase of compulsory motor vehicle liability insurance. The administrative department of motor vehicles will not register those motor vehicles if they are discovered as without compulsory motor vehicle liability insurance, and the motor vehicle safety technical inspection organs shall not make inspection on them.
 
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 control department of the public security organs and the traffic policemen shall, when making investigation and handling illegal acts of road traffic safety and road traffic accidents, check the insurance marks of the compulsory motor vehicle liability insurance.
 


 

第二章 投  保

Chapter II Purchase of the Insurance 

   第五条 保险公司经保监会批准,可以从事机动车交通事故责任强制保险业务。
Article 5 Insurance companies may, upon the approval of the CIRC, operate the compulsory traffic accident liability insurance business 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,保监会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 system of compulsory motor vehicle liability insurance, the CIRC shall have the power to request the insurance companies to undertake the business of compulsory motor vehicle liability insurance.
 
未经保监会批准,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 may undertake compulsory motor vehicle liability insurance without the approval of CIRC.
 

   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。保监会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。
Article 6 The compulsory motor vehicle liability insurance shall apply uniform insurance clauses and a base premium rate. The CIRC shall make examination and approval on the premium rates in light of the principle of “no profit, no loss” in general for the business of compulsory motor vehicle liability insurance. 
保监会在审批保险费率时,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 CIRC makes examination and approval on premium rates, it may engage the relevant professional institutions to make assessment, and may hold hearings to solicit the public opinions.
 

   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。
Article 7 An insurance company shall manage its business of compulsory motor vehicle liability insurance and other insurance businesses separately, and make business accounting on them independently. 
保监会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 CIRC shall check the business of compulsory motor vehicle liability insurance of the insurance companies, and announce the result to the society. The CIRC may request or allow the insurance companies to adjust the premium rates accordingly on the basis of the overall profit-making or losses of the business of compulsory motor vehicle liability insurance.
 
调整保险费率的幅度较大的,保监会应当进行听证。

In case there is any major adjustment on the premium rates, the CIRC shall hold hearings.
 

   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,由保监会会同国务院公安部门制定。
Article 8 In case an insured motor vehicle has no illegal act of road traffic accidents or road traffic accident, the insurance company shall reduce its premium rate in the next year. If, in the following years, the insured motor vehicle still has no illegal act of road traffic accidents or road traffic accident, the insurance company shall continue reducing its premium rate, till to the minimum standards. If the insured motor vehicle has any illegal act of road traffic accidents or road traffic accident, the insurance company shall raise its premium rate in the next year. If the illegal acts of road traffic accidents or road traffic accidents occur for many times, or any grave road traffic accident occurs, the insurance company shall raise its coverage of the 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 the premium rate shall be formulated by the CIRC jointly with the public security department of the State Council. 

   第九条 保监会、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 9 The CIRC, the public security department of the State Council, the competent department of agriculture of the State Council, and other relevant departments shall establish, step by step, the system of sharing the information on relevant compulsory motor vehicle liability insurance, illegal acts of road traffic accidents and road traffic accidents. 

   第十条 投保人在投保时应当选择具备从事机动车交通事故责任强制保险业务资格的保险公司,被选择的保险公司不得拒绝或者拖延承保。
Article 10 A policyholder shall choose an insurance company that has the qualification of undertaking the business of compulsory motor vehicle liability insurance when purchasing the insurance, and the insurance company chosen by it shall not refuse to undertake or delay undertaking the insurance. 
保监会应当将具备从事机动车交通事故责任强制保险业务资格的保险公司向社会公示。

The CIRC shall make announcement to the society on the insurance companies that have the qualification for undertaking the business of compulsory motor vehicle liability insurance.
 

   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。
Article 11 A policyholder shall, when purchasing the insurance, inform the insurance company of the important matters according to the facts. 
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保监会规定的其他事项。

The important matters shall include: the type of the motor vehicle, factory brand and model, identification number, number of the license, quality for the use of the vehicle, and the names (titles) of the owners or managers of the vehicles, sex, age, resident place, number of identity card or driving license (organization code), information on the occurrence of accidents involved in the motor vehicle before the renewal, and other matters prescribed by the CIRC.
 

   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。
Article 12 When a policyholder signs the contract of compulsory motor vehicle liability insurance, it shall pay all the insurance premiums at one lump sum; the insurance company shall issue insurance policy to the policyholder, and the insurance mark. The insurance policy and the insurance mark shall be indicated with the number of the insurance policy, number of the plate, insurance term, name and address of the insurance company, and the telephone number for handling compensation. 
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 onto the insured motor vehicle.
 
保险标志式样全国统一。保险单、保险标志由保监会监制。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 design of the insurance marks shall be uniform countrywide. The insurance policy and the insurance marks shall be made under the supervision of the CIRC. No entity or individual may forge, alter or use forged or altered insurance policies or insurance marks.
 

   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。
Article 13 When concluding the contract of compulsory motor vehicle liability insurance, a policyholder shall not request an insurance company to affix other conditions outside the insurance clauses and the premium rate. 
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 the contract of compulsory motor vehicle liability insurance, an insurance company shall not force the policyholder to sign a commercial insurance contract or request to annex other conditions.
 

   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。
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