【中文版】

什么是交强险？

交强险是机动车交通事故责任强制保险的简称，它是一种由保险公司对机动车辆交通事故中受害人提供赔偿的强制责任保险。交强险是由中国保监会统一制定和实施的，具有强制性。所有上路行驶的机动车都必须投保交强险。

交强险的保险责任包括被保险车辆在保险期间内发生交通事故，造成第三方人员人身伤亡或财产损失，由保险公司承担相应的经济赔偿责任。赔偿范围包括医疗费用、丧葬费用、残疾赔偿金、死亡赔偿金等。

此外，交强险还具有一些特殊性质。首先，它具有公益性质，其保费由国家统一规定，相对较为公平。其次，交强险的赔偿范围不仅包括受害人的人身伤亡和财产损失，还包括被保险车辆的损失和车上人员的伤亡。最后，交强险的保费与车辆型号、用途、驾驶员的信用记录等因素无关，只与车辆的出险次数和违章记录相关联。

总之，交强险是一种强制性的保险，旨在为交通事故中的受害人提供必要的保障和救济。

【英文版】

What is the liability insurance?

The liability insurance is the insurance for the motor vehicle road traffic accident liability insurance. It is a kind of compulsory liability insurance provided by the insurance company to the victim of motor vehicle road traffic accident to compensate. The liability insurance for motor vehicles is implemented and put into force by China's insurance regulatory authority uniformly, and has the mandatory. All the motor vehicles on the road must be insured for liability insurance.

The insurance responsibilities of the liability insurance include that the insured vehicle will cause personal injury or property damage to the third party in the insurance period, and the insurer shall be responsible for the economic compensation of such losses. The compensation scope includes medical expenses, funeral expenses, disability compensation, death compensation, etc.

In addition, the liability insurance also has some special characteristics. First of all, it has public welfare nature, and its premium is uniformly stipulated by the state, which is relatively fair. Secondly, the compensation scope of the liability insurance includes not only the personal injury and property damage of the victim, but also the losses of the insured vehicle and the injuries of the vehicle passenger. Finally, the premium of the liability insurance is not related to the vehicle model, use, driver's credit record and other factors, but only related to the number of accidents and violation records of the vehicle.

In short, the liability insurance is a compulsory insurance, which aims to provide necessary protection and relief to the victims of traffic accidents.