建立交强险制度的主要目的在于交通事故发生时，
保障交通事故受害人和机动车辆驾驶人的利益，发挥社会保障和社会稳定器的作用。我国的交强险制度存在着保障功能缺陷、立法上的缺陷、群体利益均衡缺陷、部门信息共享机制缺陷、监管薄弱环节缺陷等问题；应采用改善机动车交通事故责任强制保险的保障功能、完善立法、弥补群体利益均衡缺陷、加强部门信息共享机制、改进监管薄弱环节等对策加以解决。
关键词：机动车；交强险；商业三者险；损害赔偿
Abstract
Constructs the grade separation strong danger system's main purpose to lie when the traffic accident occurs, safeguard traffic accident victim and motor vehicle driver's benefit, display social security and social stabler's function. Our country's junction strong danger system has problems and so on flaw which, community benefit balanced flaw, department information sharing machine-made flaw, supervision weak link flaw the safeguard function flaw, legislates; Should use the improvement mechanical transport accident risk compulsory insurance the safeguard function, to consummate legislative, the atonement community benefit balanced flaw, to strengthen department information sharing mechanism, countermeasures and so on improvement supervision weak link to solve.
Keywords：motor vehicle; hands over the strong danger; the third party liability insurance; damage compensate
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