Core Viewpoint - The Supreme People's Court has proposed a draft to clarify legal responsibilities and insurance compensation related to "dooring" accidents, aiming to resolve long-standing disputes in insurance claims and enhance the protection of victims' rights [1][4]. Group 1: Legal Clarifications - The draft explicitly states that if a passenger opens a car door and causes damage to others, the liability falls under the vehicle's insurance coverage, allowing victims to claim compensation from the mandatory traffic accident liability insurance [4][5]. - The draft indicates that insurance companies cannot deny compensation by claiming that the passenger is not an insured driver, thus protecting the rights of the injured parties [5][6]. Group 2: Impact on Insurance Practices - The proposed regulations are expected to lead to a clearer division of responsibilities between the vehicle owner and the passenger, ensuring that victims receive timely compensation regardless of the passenger's fault [5][7]. - Insurance companies may need to adjust their pricing models to account for the increased risk associated with "doorings," potentially leading to higher base rates and differentiated pricing strategies [7][8]. Group 3: Industry Implications - The inclusion of "doorings" in the main insurance liability scope may prompt insurance firms to enhance their claims processes and recovery mechanisms, ensuring efficient compensation while managing the increased workload from subrogation claims [7][8]. - The draft encourages a more proactive approach from all vehicle users regarding their responsibilities, particularly in preventing accidents caused by negligence when opening doors [6][7].