1. First report to the traffic police, who will divide the responsibilities.
2. If you are not responsible, the insurance company will pay up to 1,000 yuan in medical expenses under the compulsory traffic insurance. Other expenses will be borne by the injured person. You do not need to pay the injured person.
3. If you are responsible, the insurance company will pay a maximum of 10,000 yuan under the compulsory traffic insurance. If the amount exceeds, the insurance company will pay you in proportion to the liability under the third-party liability insurance. In most cases, insurance companies will exclude a portion of the expenses that cannot be reimbursed. This part of the cost requires you to compensate the injured.
4. If you don’t want to pay or pay less, you can let the injured person sue you and name the insurance company as a defendant. In this way, your personal losses are often minimal.
Based on the situation you have introduced so far, the insurance company has no reason to refuse compensation. How complex can crane insurance be? After all, it is not car insurance, but at most it is special equipment insurance.
In addition, I typed it word by word, not copied it, and I don’t need to copy other people’s things.
Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance