目前,国内农用运输车保有量已达1000万辆,其中约1/3在交警部门挂牌,1/3由农机部门管理,另1/3则无牌无证(黑车)。由农机部门管理的这部分农运车,被归属于拖拉机类,称为“变形拖拉机”(变拖),总量约300万台。这类“变拖”,除行驶区域略有限制外,车型、用途等其实与交警挂牌的农运车(如福田、龙马等)毫无二致。因此对保险公司来说,其风险与农运车相差无几。但“变拖”在办理保险时, At present, the number of domestic agricultural vehicles has reached 10 million, of which about one-third are listed in the traffic police department, one-third are managed by the agricultural authorities, and the other 1/3 are unlicensed and undocumented (black cars). This part of the farm car managed by the farm machinery department is classified as a tractor class and is called a “tractor” (variable tractor) with a total capacity of about 3 million units. Such “variable drag”, in addition to a limited driving area, the model, purpose and other traffic police actually listed agricultural vehicles (such as Fukuda, Ryoma) are no different. Therefore, the insurance company, the risk is almost the same with the car. However, “change dragging” in handling insurance,