1. 基本性質 (Basic Nature)

• 強制性 (Compulsory):

就像香港的「三保」，不買不能上路，否則會被扣車、罰款。Just like Hong Kong's "Third-Party Insurance," it is mandatory for road use. Failure to comply can lead to vehicle impoundment and fines.

• 保障對象 (Coverage Target):

賠償給交通事故中受害的第三者（人身傷亡、財產損失）。Compensates third parties for bodily injury, death, or property damage resulting from a traffic accident.

• 不保範圍 (Exclusions):

不保司機自己、不保受保車輛內的人員、不保受保車輛自身的損毀。Does NOT cover the insured driver, passengers inside the insured vehicle, or damage to the insured vehicle itself.

2. 賠償限額 (Compensation Limits)

「交強險」的保額相對較低，目前內地統一的最高賠償限額如下（不分事故責任比例）：The coverage limits for CTPL are relatively low. The current unified maximum limits in Mainland China (regardless of liability ratio) are as follows:

• 死亡傷亡 (Death or Disability):

最高人民幣 180,000 元 (Up to RMB 180,000)

• 醫療費用 (Medical Expenses):

最高人民幣 18,000 元 (Up to RMB 18,000)

• 財產損失 (Property Damage):

最高人民幣 2,000 元 (Up to RMB 2,000)

⚠️ 重要提示 (Important Reminder)

• 由於交強險的保額（尤其是財產損失僅 2,000 元）遠遠不足以應付嚴重意外，大部分內地車主都會額外加購「商業險」（類似香港的加強版三保或全保）。Since CTPL limits (especially the RMB 2,000 property damage cap) are far from sufficient for serious accidents, most mainland drivers purchase additional Commercial Insurance (similar to Hong Kong's enhanced Third-Party or Comprehensive Insurance).