Legal analysis: Whether the insurance company will settle the claim shall be subject to the insurance contract. If there is a claim dispute, the issue can be resolved through litigation.

Legal basis: Article 1179 of the "People's Republic of China and Civil Code" Whoever infringes upon others and causes personal injury shall compensate for medical expenses, nursing expenses, transportation expenses, nutrition expenses, Hospital food subsidy and other reasonable expenses for treatment and recovery, as well as reduced income due to missed work.

If disability is caused, the cost of assistive devices and disability compensation shall also be compensated; if death is caused, funeral expenses and death compensation shall also be compensated.