Mediation of insurance company: Guess what the claims department of insurance company does (take care of money bags), and whether it will give you 1 0,000 yuan readily. In this case, it is estimated that the compensated employees can go back to farming.
Traffic police mediation: You should know the independence of the traffic police department and the insurance company, and the traffic police handling the case can calculate your losses fairly. The insurance company is unwilling, and the traffic police can do nothing but let the parties appeal.
I suggest you find a lawyer yourself or calculate how much you have lost, and then go to the traffic police department for mediation, at least you won't suffer a big loss.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.