The answer to your question is as follows,
1. If the vehicle involved in the accident has been insured, the owner and driver of the vehicle involved in the accident can be brought in together with the insurance company that has purchased the insurance, and the insurance company that has underwritten the accident will first compensate within the limit of liability, and the insufficient part will be borne by the perpetrator
2. If the victim suffers from personal injury, the compensation obligor shall compensate for various expenses incurred for medical treatment and reduced income due to missed work, including medical expenses, missed work expenses, nursing expenses, transportation expenses, accommodation expenses, hospital board subsidies, and necessary nutrition expenses.
If the victim is disabled due to injury, the compensation obligor shall also compensate for the necessary expenses incurred due to the increased living needs and the income loss caused by the loss of working ability, including disability compensation, disability auxiliary equipment fees, the living expenses of the dependants, as well as the necessary rehabilitation fees, nursing fees and follow-up treatment fees actually incurred due to rehabilitation care and continuous treatment.
3. Legal basis: Article 16 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Road Traffic Accident Damage Compensation Cases, where motor vehicles are insured with both compulsory third-party liability insurance (hereinafter referred to as "compulsory traffic insurance") and commercial third-party liability insurance (hereinafter referred to as "commercial third-party insurance"), If the party concerned infringes both the infringer and the insurance company, the people shall determine the liability for compensation in accordance with the following rules:
（1） The insurance company that underwrites compulsory traffic insurance shall compensate within the limit of liability first;
（2） The insufficient part shall be compensated by the insurance company that underwrites the commercial tripartite insurance according to the insurance contract;
（3） If there are still deficiencies, the infringer shall compensate in accordance with the relevant provisions of the Road Traffic Safety Law and the Tort Liability Law.
If the infringed person or his close relatives request the insurance company that underwrites compulsory traffic insurance to give priority to compensate for mental damage, the people's court shall support it
4. The specific compensation items and calculation standards of the amount are detailed in the provisions of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Personal Injury Compensation Cases. It is recommended to consult
