机动车三责险的人身伤害赔付 ,是车险经营的主要瓶颈所在。传统的赔付方式往往受制于社会多方面的制约 ,使保险人处于十分不利的位置。长此以往 ,不但保险经营受损 ,保险功能弱化 ,而且使被保险人以及受害者长期陷于赔付纷争 ,经济损失和精神损失人为扩大 ,苦不堪言 ,同时也不利于净化社会风气。为此 ,寻求一种更科学、更便利的赔付方式 ,成为保险进入市场后应该考虑的现实问题 The liability insurance of motor vehicle personal injury compensation, is the main bottleneck of auto insurance business. The traditional way of payment is often subject to many constraints in society, so that the insurer is in a very unfavorable position. Over the long run, not only the insurance business has been damaged and the insurance function has been weakened, but also the insured and the victims have been caught up in disputes over compensation for a long period of time. People suffering from economic losses and mental losses have been exasperated and miserable. Nor is it conducive to purifying the social ethos. To this end, to seek a more scientific and more convenient way of payment, become a reality insurance should be considered after entering the market