Legal analysis: both parties negotiate, and the owner will accompany them to the insurance company to calculate the compensation amount. Insurance companies have compensation limits. Through consultation, the owner will accompany him to the insurance company to calculate the compensation amount, and the insurance company will bear the responsibility of traffic accident compensation within the scope of compulsory insurance.

Legal basis: Article 30 of the Social Insurance Law of People's Republic of China (PRC), the following medical expenses are not included in the payment scope of the basic medical insurance fund:

(a) shall be paid by the industrial injury insurance fund;

(2) It shall be borne by a third party;

(three) shall be borne by public health;

(4) Go abroad for medical treatment.

Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.

Provisions on Compulsory Motor Vehicle Traffic Accident Liability Insurance Article 21 If a road traffic accident happens to an insured motor vehicle, resulting in 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 limits 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.