2. The insured insurance company shall make compensation within the liability limit first, and the insufficient part shall be borne by the perpetrator.

3. If the victim suffers personal injury, the compensation obligor shall compensate all expenses such as medical expenses and income reduced due to missed work, including medical expenses, missed work expenses, nursing expenses, transportation expenses, accommodation expenses, hospital food subsidies and necessary nutrition expenses.

If the victim is disabled due to injury, the compensation obligor shall also compensate the necessary expenses incurred due to the increase of daily needs and the income loss caused by the loss of working ability, including disability compensation, disability AIDS, living expenses of the dependents, and necessary rehabilitation expenses, nursing expenses and follow-up treatment expenses actually incurred due to rehabilitation nursing and continuing treatment.

4. Legal Basis: Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Road traffic accident compensation Cases Article 16 If a motor vehicle insured with compulsory motor vehicle third-party liability insurance (hereinafter referred to as "compulsory traffic insurance") and commercial third-party liability insurance (hereinafter referred to as "commercial third-party liability insurance") has a traffic accident, the people's court shall determine the liability for compensation according to the following rules:

(1) An insurance company that underwrites compulsory insurance shall make compensation in advance within the limit of liability;

(two) the insufficient part shall be compensated by the insurance company that underwrites the commercial third party insurance according to the insurance contract;

(3) If there are still deficiencies, the infringer shall make compensation in accordance with the relevant provisions of the Road Traffic Safety Law and the Tort Liability Law.

If the infringer or his near relatives request the insurance company that underwrites compulsory insurance to give priority to compensation for mental damage, the people's court shall support it.

5. The specific compensation items and the calculation standard of the amount are detailed in the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Personal Injury Compensation Cases, and it is recommended to consult them.