I bought three liability insurance, excluding deductible. Do I still need to pay for it myself?

Legal analysis: If the other party doesn't sue, you don't need compensation. If you sue, you need to bear appraisal fees, legal fees, copying fees, etc.

Legal basis: Article 75 of the Road Traffic Safety Law of the People's Republic of China * * * Medical institutions shall promptly rescue the injured in traffic accidents, and shall not delay the treatment because the rescue expenses are not paid in time. If the vehicle involved in the accident participates in compulsory motor vehicle third-party liability insurance, the insurance company shall pay the rescue expenses within the liability limit; Rescue expenses exceed the liability limit, and did not participate in compulsory motor vehicle third-party liability insurance or escape after the accident, the road traffic accident social assistance fund shall advance part or all of the rescue expenses, and the road traffic accident social assistance fund management institution has the right to recover from the person responsible for the traffic accident.