自2014年网络专车服务推出以来,移动出行已经成为很多人,尤其是年轻一代生活的一部分。无论网络专车法律性质如何定位,其毫无疑问已经给传统车险市场带来巨大的冲击。文章从车辆保险的角度,通过对网络专车模式的划分,分类讨论在车辆保险领域网络专车与传统出租车的差别,浅析网络专车在该领域存在的法律风险,并为如何防范此类风险提供建议。 Since the launch of the network car service in 2014, mobile travel has become a lot of people, especially as part of the younger generation’s life. No matter how the legal nature of Internet car positioning, it will undoubtedly have a huge impact on the traditional auto insurance market. From the perspective of vehicle insurance, this paper divides the network car model into three categories to discuss the difference between network car and traditional taxi in the field of vehicle insurance, and analyzes the legal risks of network car in this area and how to prevent such risks Suggest.