2. If it is full liability, the compensation scope of compulsory insurance is: death and disability compensation limit 1 10000 yuan; The compensation limit for medical expenses is 10000 yuan; The compensation limit for property losses is 2000 yuan.

3. If there are still shortcomings, the third-party commercial insurance will pay these expenses. However, compensation for mental damage is not covered by commercial insurance, so it is suggested to solve it first in compulsory insurance.

If you are the defendant, it is suggested to add an insurance company to the lawsuit.