Third-party liability insurance mainly covers medical expenses caused by accidents. Compensation for nursing expenses incurred in medical treatment. The victim's lost time caused by the accident. Daily living expenses such as catering expenses and transportation expenses. If the accident causes death or disability, compensation shall be paid in accordance with the regulations. The compensation scope of third party liability insurance is as follows: medical expenses; Nursing expenses; Lost time cost; Food and beverage expenses; Transportation expenses; If there is a disability, there is a disability fee. The scope of claims for three risks mainly includes: vehicle repair fees, medical expenses, casualty fees and other property losses of third parties in accidents. At the same time, the three insurances are also "deductibles", which means that no matter how the liability is determined, the insurance company to which the three insurances belong will pay according to the regulations.