第三者责任保险的含义

中文：

第三者责任保险，又称为第三方责任险，是一种由保险公司对被保险人在使用保险车辆过程中发生意外事故，致使第三者遭受人身伤亡或财产直接损毁，依法应当由被保险人承担的经济责任进行赔偿的保险。简单来说，这是一种为被保险人在驾驶或使用车辆时可能对第三方造成的伤害或损失提供经济赔偿的保险。

第三者责任保险在车险中占据重要地位，因为它能够保护被保险人在面对可能的法律责任时，不会因为赔偿金额过大而导致财务困境。这种保险不仅涵盖了第三方的人身伤害，还包括其财产损失。同时，第三者责任险也是法律规定的强制保险之一，车主在购车后必须购买。

第三者责任保险的购买对于车主来说是一种保障，也是对社会的一种负责。在道路上行驶，难免会发生一些意外，有了这种保险，车主可以在意外发生时，减轻自己的经济负担，更好地处理与第三方的关系。

英文：

Third-party liability insurance, also known as third-party liability coverage, is an insurance policy that covers the economic liability of the insured arising from accidents involving the insured's use of the insured vehicle, resulting in bodily injury or direct property damage to a third party. In simple terms, it is a type of insurance that provides financial compensation for injuries or losses that the insured may cause to a third party while driving or using a vehicle.

Third-party liability insurance plays a crucial role in vehicle insurance as it protects the insured from potential financial distress caused by significant compensation amounts. This insurance covers not only bodily harm to third parties but also property damage. Additionally, third-party liability insurance is one of the mandatory insurances required by law, and vehicle owners must purchase it after purchasing a car.

Purchasing third-party liability insurance provides peace of mind and a sense of security for vehicle owners. It is also a responsibility towards society. As accidents can happen on the road, having this insurance can alleviate the financial burden on the owner and facilitate better handling of relationships with third parties in the event of an accident.