[Direct answer]Yes, it's possible within the limit. The medical expense compensation limit of compulsory insurance is used to pay for the victim's rescue and medical expenses. When the insured is at fault, the limit is 18,000 yuan; after a traffic accident, the insurance company shall first compensate for the rescue expenses within the liability limit of compulsory insurance. If the rescue expenses exceed the compulsory insurance limit, the vehicle involved in the accident has not purchased compulsory insurance, or the driver involved in the accident flees the scene after the accident, in accordance with Article 75 of the "Road Traffic Safety Law of the People's Republic of China", the social assistance fund for road traffic accidents shall advance part or all of the rescue expenses. After the assistance fund is advanced, it has the right to recover the compensation from the person responsible for the traffic accident. The rescue expenses must be related to the rescue and have complete receipts.

I. Problem Background and Typical Scenarios

The injured victims of traffic accidents are sent to the hospital for emergency rescue. What the families are most concerned about is who will bear the rescue costs and whether the insurance can advance the payment. Some people have heard that compulsory insurance will "advance the payment", while others have been told that "insurance does not advance the money". In fact, compulsory insurance and the Social Assistance Fund for Road Traffic Accidents together constitute an emergency guarantee for rescue costs, but their respective applicable conditions and limits are different.

II. Key points of contention

First, the scope and limits of compensation for rescue expenses by compulsory auto insurance. Second, the applicable circumstances of advance payment by the rescue fund. Third, the issue of recovery after advance payment. Fourth, the handling of special circumstances such as non-liability and hit-and-run cases.

III. Professional analysis by Henglue Lawyers

Firstly, the compensation of compulsory insurance: The compensation limit for medical expenses under compulsory insurance is specifically used for the rescue and medical expenses of the victim. When the insured is at fault, the compensation limit is 18,000 yuan. After an accident, the insurance company shall promptly compensate the rescue expenses within the liability limit of compulsory insurance and shall not refuse to compensate on the grounds that the liability has not been finally determined. Secondly, the advance payment by the rescue fund: According to Article 75 of the "Road Traffic Safety Law of the People's Republic of China", if the rescue expenses exceed the liability limit, or if the vehicle involved in the accident has not participated in compulsory third-party liability insurance, or if the vehicle flees the scene after the accident, the social rescue fund for road traffic accidents shall advance part or all of the rescue expenses. The rescue fund management institution has the right to recover the compensation from the responsible party for the traffic accident. Thirdly, the relationship between advance payment and recovery: Whether it is the compensation of compulsory insurance or the advance payment by the rescue fund, it does not change the final sharing of liability. After the compensation or advance payment, the insurance company and the rescue fund management institution may recover the compensation from the responsible party in accordance with the law; the insured or the responsible party cannot evade their liability for compensation by claiming that "the advance payment has been made". Fourthly, practical points: The rescue expenses should be necessary, reasonable, and related to the injuries caused by the accident. Receipts and medical records are the basis for claiming compensation. For situations such as the driver driving without a license, drunk driving, or the vehicle being stolen during the accident, the compensation and recovery rules of compulsory insurance have separate provisions, which need to be judged in accordance with the specific clauses. For traffic accident compensation and insurance claims, reference can be made to the relevant provisions.Personal injury and medical disputesThe approach to handling plate disputes; the specific application shall be subject to the currently effective laws, regulations, and judicial rulings.

IV. Practical suggestions and legal basis

The first step is to report the accident to the insurance company as soon as possible after the accident and keep the medical records and receipts of the rescue and treatment; the second step is to claim from the insurance company for the rescue expenses within the medical expense limit of the compulsory insurance; the third step is to apply for advance payment from the Social Relief Fund for Road Traffic Accidents if the expenses exceed the limit or if the driver has not purchased insurance or fled the scene; the fourth step is to claim for medical expenses, follow-up treatment expenses, etc. during the negotiation or litigation, and cooperate with the recovery procedures of the relevant institutions. The main legal basis: Articles 75 and 76 of the "Road Traffic Safety Law of the People's Republic of China", and the provisions on compensation limits and advance payment in the "Regulations on Compulsory Insurance for Motor Vehicle Traffic Accidents"; the specific application shall be subject to the currently effective laws, regulations and judicial rulings.

5. Henglu Law Firm's Advice

Three key points about advance payment of rescue fees: Compulsory insurance will first compensate within the medical expense limit, so don't be misled by the claim that "advance payment is not required"; for cases exceeding the limit, uninsured cases, and cases involving hit-and-run drivers, the rescue fund will advance the payment first; advance payment does not equal exemption from liability, and the claimant will ultimately seek compensation from the responsible party. For matters involving traffic accidents and insurance claims, you can seek assistance through the following channels:Personal injury and medical disputesObtain a comprehensive solution for the service, integrating disputes over insurance contractsBusiness and contract disputes in enterprisesA reference for the implementation of compensation in the case of plate movementCreditor's rights and debts, and enforcementColumn, consultation on difficult casesSpecial servicesTeam.

VI. Frequently Asked Questions

Q1: Is there a cap on the maximum amount of rescue fees that can be prepaid by compulsory insurance?

Yes. The rescue expenses will be compensated within the limit of the compulsory insurance medical expenses, and the limit is 18,000 yuan when the insured is at fault. The excess part will be handled through rescue funds and other channels.

Q2: Can insurance companies refuse to pay compensation?

It is not appropriate to refuse to compensate. The compulsory insurance should first compensate for the rescue expenses within the liability limit, and the final determination of liability does not affect the obligation to make advance compensation.

Q3: Who will pay for the rescue costs if you don't buy compulsory insurance?

The social assistance fund for road traffic accidents shall advance part or all of the rescue expenses in advance. After the fund advances the payment, it may seek compensation from the responsible party for the traffic accident. The victims should keep the relevant receipts and cooperate with the application process.

Q4: What should I do if I flee the scene of an accident?

In the event of an escape, the rescue costs may be paid in advance by the rescue fund, and the compensation will be recovered according to law after the responsible party is identified. The victim can still claim full compensation from the responsible party.

Q5: Do I still need to compensate after making an advance payment?

Yes. Advance payment or pre-compensation does not change the ultimate liability. The liable party should still bear the corresponding compensation. The relevant institutions may recover the advance payment from the liable party, and the victims also have the right to continue to claim for the uncompensated part.

This article is written based on the common judicial interpretations in the Beijing area. If the case occurs in other regions, it is recommended to consult local lawyers to verify the regional differences.

If you are currently facing similar problems, it is recommended that you consult a professional lawyer as soon as possible with the relevant evidence materials to avoid missing the statutory time limits. →Financial capital legal services·Beijing Henglu Law Firm

Disclaimer: This article is compiled based on the current laws and regulations and public adjudication rules, and is for general reference only. It does not constitute a formal legal opinion on specific cases. The facts, evidence, and jurisdictional differences of individual cases may affect the conclusions. If you encounter disputes, please consult a practicing lawyer in time.