在机动车第三者责任保险中,令很多被保险人疑惑不解的是,明明交管部门认定了被保险人一方承担交通事故责任,为何保险公司却说不构成保险责任、拒绝理赔呢?事故责任与保险责任之间是一种什么样的关系呢?其实,事故责任只是认定保险责任的一个重要因素而已,二者之间并没有必然的关 In the motor vehicle third party liability insurance, many insured puzzled that it is clear that the traffic control department identified the insured party to bear the responsibility of traffic accidents, why the insurance company said it does not constitute insurance liability, refused to claim it? In fact, the accident liability is only an important factor in determining the insurance liability, there is no necessary relationship between the two