Traffic accident responsibility confirmation is an administrative document, and its validity and legal status have nothing to do with whether the parties sign it or not. Signature only indicates receipt. Failure to sign will automatically take effect within 3 days, and no application for reconsideration will be filed. If the parties are not satisfied, they must go to court to demand a new ruling on responsibility, otherwise all follow-up affairs will be carried out on this basis.
Insurance can be legal, but it is also based on this proof of responsibility. In the specific work, the traffic police in some places will not support the follow-up work. If it affects the aftermath, it is also the party's own business.