When a car accident occurs, you must first report to the traffic police, who will assign the responsibility for the accident. If it is the other party's responsibility, regardless of whether the other party has insurance or whether you have insurance, the vehicle owner should bear the medical expenses, lost work expenses, nursing expenses, etc.

If the other party is disabled or dead, the liability for compensation will be greater and heavier.

Social insurance's medical insurance (including mutual medical insurance) does not reimburse for traffic accidents. The party responsible for the accident can only be responsible for compensation. However, medical insurance can reimburse for some medicines.

In practice, after a traffic accident occurs, it is generally treated as a motor vehicle accident. It is difficult to seek compensation from the perpetrator and be reimbursed in medical insurance. If you bear part of the responsibility for the traffic accident, it is also difficult to cover the medical expenses you bear in medical insurance.

However, there are two situations in which medical insurance can be used to reimburse part of the medical expenses: 1. Medical expenses should be borne by a third party according to law. If the third party does not pay or the third party cannot be identified, the basic medical insurance fund will pay first.

After the basic medical insurance fund has paid in advance, it has the right to recover compensation from the third party.

2. You are solely responsible for the traffic accident. Medical expenses caused by injuries caused by your own fault are not included in the payment scope of the basic medical insurance fund. The medical insurance department must reimburse the medical expenses.

Legal basis: According to Article 75 of the Road Traffic Safety Law of the People's Republic of China, medical institutions shall promptly rescue persons injured in traffic accidents, and shall not delay treatment due to failure to pay rescue fees in time.

If the vehicle involved in the accident participates in the compulsory motor vehicle third-party liability insurance, the insurance company shall pay the rescue expenses within the liability limit; if the rescue expenses exceed the liability limit, if the vehicle does not participate in the compulsory motor vehicle third-party liability insurance or if the vehicle escapes after the accident, the insurance company shall pay the rescue expenses within the liability limit.

The traffic accident social assistance fund advances part or all of the rescue costs, and the road traffic accident social assistance fund management agency has the right to recover compensation from the person responsible for the traffic accident.