You are so funny. Of course, Zhongshan's starts with a T, and the insurance policy you buy depends on the company. Your brother-in-law is a driver and the car belongs to the company. That depends on whether there is passenger insurance in the car insurance, and how much is the compensation? Different insurance companies have different policies on driver accidents. Some cars are not fully insured, so there may be no compensation. If it is a work-related injury, you should consult a lawyer for details, and it is best to reach an agreement with the company.
You got it? The driver's full insurance company will pay for the car. If you pay for the car, it depends on whether you have bought additional insurance. Your own crew insurance compensation amount is limited, unless it is a new car, you will not buy all risks.
Work injury is another matter, please consult a lawyer for details!