After a traffic accident, the insurance company will only advance the rescue expenses that meet the requirements. For other losses and expenses, the insurance company will not pay in advance. As for the rescue expenses paid in advance, the insured will eventually have to pay for it himself, and the insurer has the right to recover from the injurer.
The compensation standards for traffic accidents are divided into the following three situations:
1, compensate the injured person himself.
Medical expenses, follow-up treatment expenses, disability AIDS, rehabilitation expenses, lost time, nutrition expenses, hospital food subsidies, transportation expenses, nursing expenses, mental damage compensation, disability compensation, etc.
2. Compensation for the relatives of the injured.
Accommodation, transportation, nursing, mental damage compensation, living expenses of dependents.
3. Compensation for the death of the victim
If a traffic accident causes the death of the victim, in addition to the relevant expenses during the rescue period, it shall also compensate the funeral expenses, the living expenses of the dependents, the compensation for death, the consolation money for mental damage, and other reasonable expenses such as transportation expenses, accommodation expenses and lost time for the relatives of the victim to handle the funeral.
Legal basis:
Regulations on compulsory liability insurance for motor vehicle traffic accidents
Article 21
If a road traffic accident occurs in an insured motor vehicle, causing personal injury or property loss to the victim other than the person on board and the insured, the insurance company shall make compensation within the limit of compulsory motor vehicle traffic accident liability insurance according to law.
The loss caused by the road traffic accident is intentionally caused by the victim, and the insurance company will not compensate.
Article 22
Under any of the following circumstances, the insurance company shall pay the rescue expenses in advance within the liability limit of compulsory motor vehicle traffic accident liability insurance, and have the right to recover from the victims:
(a) the driver has not obtained the driving qualification or is drunk;
(2) The insured motor vehicle was stolen during the accident;
(3) The insured intentionally creates a road traffic accident.
Under any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs and property losses are caused to the victim, the insurance company shall not be liable for compensation.
Article 24
The State establishes a social relief fund for road traffic accidents (hereinafter referred to as the relief fund). Under any of the following circumstances, the funeral expenses and part or all of the rescue expenses of the victims of road traffic accidents shall be paid in advance by the relief fund, and the relief fund management institution shall have the right to recover from the persons responsible for road traffic accidents:
(a) the cost of rescue exceeds the liability limit of compulsory insurance for motor vehicle traffic accidents;
(two) the motor vehicle did not participate in the compulsory insurance of motor vehicle traffic accident liability;
(3) A motor vehicle escapes after an accident.