旅行社责任险属于责任保险范畴，而游客自身购买的旅行保险属于个人意外伤害保险，两者的承保对象和责任范围完全不同。
The travel agency liability insurance belongs to the liability insurance category, but the tourist own persoanl travel insurance belongs to individual accident insurance.
我国应以法律明确规定机动车第三者责任保险为法定保险，未投保机动车第三者责任险的车辆不得上路行驶。
Our nation should stipulate as a law that third-party insurance for vehicles is legally compulsory, without which no vehicle should drive on road.
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