When a tourist has an accident and the tourist has already bought insurance, can the tourist ask the travel company for compensation? What if the accident vehicle is also insured?

Don't worry, my friend. There are several places where you can claim compensation for a car accident: 1, vehicle insurance, and every coach has corresponding insurance; 2, travel agency liability insurance, as long as tourists who sign up in regular travel agencies and sign travel contracts can be guaranteed, because this kind of insurance is compulsory for travel agencies by the Tourism Bureau; 3, travel accident insurance, if you buy it when you participate in a group tour, you can get compensation.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.