In the event of a traffic accident, after the public security organ has ascertained the cause of the traffic accident, ascertained the responsibility for the traffic accident, and ascertained the loss caused by the traffic accident, it shall issue a letter of confirmation of the responsibility for the traffic accident. The insured may claim for compensation for the traffic accident insurance. If it is still insufficient to compensate for personal damage, the insufficient part shall be borne by the responsible person.
 According to Article 76 of the Road Traffic Safety Law, if a traffic accident involving a motor vehicle causes personal injury, death or property loss, the insurance company shall compensate within the limit of liability of the compulsory third party liability insurance for motor vehicles; The insufficient part shall be liable for compensation in accordance with the following provisions: (1) If a traffic accident occurs between motor vehicles, the party at fault shall be liable for compensation; If both parties are at fault, they shall share the responsibility in proportion to their respective faults. （2） If a traffic accident occurs between a motor vehicle and a non motor vehicle driver or pedestrian, and the non motor vehicle driver or pedestrian is not at fault, the motor vehicle party shall be liable for compensation; If there is evidence to prove that the non motor vehicle driver or pedestrian is at fault, the compensation liability of the motor vehicle party shall be appropriately reduced according to the degree of fault; If the motor vehicle party is not at fault, it shall be liable for compensation of not more than 10 percent.