2\ In case of personal injury, please ask the insurance company to assist in negotiation;

3\ Formal compensation must be made after the injured person fully recovers his disability;

4\ Because there is no traffic police, you may have to go to court;

5\ In order to monitor the drug use of the injured, hospitals often prescribe irrelevant drugs for personal gain, and insurance companies will exclude this part of drug costs when making compensation.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.