1, The injurer not only injures the body, health and life of the injured, but also hurts the spirits of the injured by conducting the injury intentionally or negligently.

2, The phenomenon that the injurer only compensates limited damages commonly exists in reality, which is called as restrictive compensation.

3, The tort liability is a liability for damages that should be undertaken by the injurer for the tort.

4, Through establishing simple model, we analysis the moral hazard problem in different supervising levels of insurer and in different wealth levels of injurer.

5, The moral hazard problem in this article is measured by the care level of injurer.

6, As for the standard of compensation, the following factors should be considered:the faulty extent of injurer, the concrete tortions circumstances, the extent of mental damage, the .

7, Differs from negligence in that the victim does not have to prove negligence by the injurer.