After a car accident, the traffic police first need to divide the responsibilities: 1. If the perpetrator is not responsible, the other party is fully responsible. In this case, the insurance company cannot advance the medical expenses; 2. The perpetrator is responsible, and the insurance company will divide the responsibilities according to the liability.

Proportion, can be advanced as appropriate.

Under normal circumstances, insurance companies will only advance money within the compensation limit for compulsory traffic insurance and will not advance commercial insurance. The maximum advance amount is 10,000 yuan.

In addition, relevant laws of our country stipulate that insurance companies have the responsibility to advance rescue expenses.

If the insurance company fails to make advance payments in a timely manner, causing serious consequences, the insurance business license may be revoked.

In addition, in some special circumstances, such as driving without a license, driving under the influence, or getting into an accident while the vehicle was stolen, the insurance company will also advance the medical expenses, but will contact the actual perpetrator afterwards to recover the insurance money.

Regardless of whether the car owner or the injured person is responsible for the accident, there is no need for the car owner to pay medical expenses first. Our country has clear legal provisions that medical expenses arising from traffic accidents are borne by two departments, one is the car owner’s insurance company, and the other is

It is a relief fund established by the state to provide treatment expenses for the injured after traffic accidents.

The car owner can judge how much he or she needs to pay in advance based on his or her responsibility in the accident. Usually, the amount paid in advance will not exceed 30% of the compensation.

Legal basis: Article 31 of the "Regulations on Compulsory Insurance for Motor Vehicle Traffic Accident Liability" The insurance company may compensate the insured for the insurance money or directly compensate the victim for the insurance money.

However, if the insurance company needs to pay or advance the rescue expenses to rescue an injured person, the insurance company shall pay or advance the rescue expenses to the medical institution in a timely manner upon verification after receiving a notice from the traffic management department of the public security organ.

If the rescue fund management agency needs to advance rescue expenses for rescuing injured persons, the rescue fund management agency shall advance the rescue expenses to the medical institution in a timely manner upon verification after receiving a notice from the traffic management department of the public security organ.