近三年来,中国人保财险道路客运承运人责任保险(以下简称道客险)保费增长很快,每年分别递增25.56%、82.35%、140.85%,但随之该险种赔案增长也较快。2004年人保财险道客险赔案172件,2005年上升到2459件,2006年则上升到4804件。在审核道客险赔案的过程中,笔者发现该险种理赔存在以下几个难点问题: In the recent three years, the premiums of Chinese PICC road passenger transport carrier liability insurance (hereinafter referred to as Tao passenger insurance) have increased rapidly, increasing by 25.56%, 82.35% and 140.85% respectively year by year, but the growth of such insurance claims also increases rapidly. In 2008, PICC Property & Casualty Insurance case lost 172 cases, rising to 2,459 in 2005 and up to 4,804 in 2006. In reviewing the process of Daogao insurance claims, the author found that the insurance claims there are several difficult issues: