The article discusses the conditions for direct claims of compulsory liability insurance in China. It explains that the third party can directly claim from the insurance company if the insured's liability is established and the claim is made negligently. This type of insurance is crucial for social welfare and justice. The researchers analyze the goals of compulsory liability insurance, legal theories, and challenges faced by third parties in enforcing their rights. The conclusion is that the third party's direct claim right should exist alongside the insured, without additional conditions.