按照《道路交通安全法》的规定,“国家实行机动车第三者责任强制保险制度”。但由于拖拉机保险是一项分散性业务,加之投保人是广大农民,经济基础相对薄弱,对拖拉机保险作用认识不足,造成投保率低。部分未参加保险的拖拉机,在发生事故后机手往往无力承担经济赔偿责任,原本家境殷 In accordance with the “Road Traffic Safety Law,” the provisions of the “national implementation of motor vehicle compulsory third party liability insurance system.” However, since tractor insurance is a decentralized business and the policy holder is a large number of peasants, its economic foundation is relatively weak and lack of understanding of the role of tractor insurance, resulting in low insurance coverage. Some did not participate in the insurance of tractors, in the event of an accident, the driver often unable to afford financial liability, the original family Yin