Motor vehicle insurance，especially the third party liability insurance for motor vehicles，plays an important role in ensuring that victims of motor vehicle road traffic accidents receive compensation according to law and promote road traffic safety. Using CBIT’s insurance big data to track and analyze the national traffic accident liability insurance coverage，it is helpful to objectively evaluate the development trend of China’s traffic accident liability insurance，timely discover the problems existing in the localities，and the insurance company’s business behavior and consumption. The person’s insurance behavior provides reference suggestions.