Compulsory motor vehicle insurance is the essence of the system because modern industrial civilization development civil tort imputation objective and loss of accident of social security for road traffic in the outcome of the combination of field .

交强 险制度的出现，实质是因近现代工业 文明 高度发展，民事侵权归责原则的客观化与事故损失承担的社会保障化在公路交通领域内相结合所造成。