The third party liability insurance stipulates that after the insurer and the insured negotiate to determine the amount of compensation, the insurer shall not be liable for the additional claims made by the insured. If there is a situation where compensation should be paid without compensation, it can only be recovered through prosecution.
legal ground
Article 1 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Personal Injury Compensation Cases is infringed upon by life, body and health;
Where the obligee requests compensation for material damage and moral damage, the people's court shall accept it.
The obligee for compensation mentioned in this article refers to the victim who directly suffered personal injury due to tort or other harmful reasons and the close relatives of the deceased victim.
The obligor for compensation mentioned in this article refers to a natural person, legal person or unincorporated organization that should bear civil liability according to law because of its own or others' tort and other causes of damage.