交通事故责任保险中,通常包含第三者责任险及机动车车上人员责任险两种。其中第三者责任险指的是由保险公司对被保险机动车发生道路交通事故造成本车人员、被保险人以外的受害人的人身伤亡、财产损失,依照法律规定或者保险合同约定进行赔偿的保险;而机动车车上人员责任险则针对的是保险机动车车体内或车体上的同乘人员和驾驶人员的损失赔偿。实践中第三者责任险的赔偿限额 Traffic accident liability insurance, usually includes third party liability insurance and motor vehicle liability insurance two. Among them, the third party liability insurance refers to the personal injury or death suffered by the insurance company caused by the traffic accident of the insured motor vehicle and the victim other than the insured person, the property loss, and compensated according to the law or the insurance contract Insurance; and motor vehicle liability insurance on the staff is aimed at the insured motor vehicle body or the body of the same passenger and driver compensation for damages. Compensation limit of third party liability insurance in practice