The Tort Law of the People's Republic of China has introduced a new concept called supplemental liability for insurance obligators. This means that in cases of harm or damage, the insurance company may also be held responsible along with the person causing the harm. This helps to clarify who should pay for the damages and ensures a fair balance between all parties involved in a lawsuit. The extent of the insurance company's liability is determined by how well they fulfill their obligations. This new law aims to make it easier to determine who is responsible for what in cases of harm or damage.