机动车责任保险在交通安全管理中起着抑制交通灾害,促进民事责任制度发展的重要的作用。我国虽然实行了机动车第三者责任强制保险制度,但仍然存在一定的缺陷。解决的对策是应改变责任限额全国统一数额的规定;同时扩大道路交通事故社会救助基金单一的垫付抢救费的职能,增设机动车事故人身伤害补偿金制度。 Motor vehicle liability insurance plays an important role in traffic safety management to curb traffic disasters and promote the development of civil liability system. Although China has implemented the compulsory third party liability insurance system, there are still some shortcomings. The solution should be to change the provisions of the unified national liability limits; the same time to expand the social assistance fund for road traffic accidents pay a single advance rescue functions, additional motor vehicle accident personal injury compensation system.