The other party shall be fully responsible for all losses and compensate the owner for personal injury and property losses. General insurance companies settle claims for car owners from compulsory traffic insurance and commercial insurance. Specifically, it includes: compensation for direct property loss: this refers to the damage to vehicles, articles and related facilities caused by traffic accidents that should be repaired but cannot be repaired, and the loss of use value or death of livestock due to injury. The person responsible for the traffic accident shall compensate for the direct property loss. Indirect property loss compensation: mainly refers to the expectable benefits lost due to traffic accidents, not the reduction or damage of the victim's existing property, but the benefits that the parties would inevitably obtain if there were no traffic accidents. In addition, if the owner is injured, the insurance company and the other party shall compensate for the medical expenses, work delay expenses, hospital nursing expenses, hospital board expenses, and transportation expenses. Compensation for disability, living expenses of the dependants, compensation for mental damage, etc. shall be determined according to the disability level after the disability appraisal. Extended data: the items included in the compensation provided by the compensation obligor (the perpetrator, the insurance company) to the victim in the traffic accident mainly include medical expenses, work delay 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 disability compensation, the cost of disability aids, 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 continued treatment. If the victim dies, it shall also compensate for the funeral expenses, the living expenses of the dependants, death compensation, and other reasonable expenses such as the transportation expenses, accommodation expenses, and loss of work delay incurred by the relatives of the victim in handling the funeral matters. If the victim or the near relatives of the deceased suffer from mental damage, the right of compensation applies to the people's court for compensation for mental damage and consolation.
 Legal basis
 Article 1179 of the Civil Code of the People's Republic of China [Scope of compensation for personal injury] If a person infringes upon another person and causes personal injury, he shall compensate for the reasonable expenses for treatment and rehabilitation, such as medical expenses, nursing expenses, transportation expenses, nutrition expenses, hospital board subsidies, as well as the reduced income due to missed work. If it causes disability, it shall also compensate for the cost of auxiliary equipment and disability compensation; If death is caused, funeral expenses and death compensation shall also be compensated.