1. In this case, the traffic police can judge whether the other party is fully responsible. In fact, to put it bluntly, how to judge the traffic police will give you reasons. Usually the other party will definitely find someone, so this result is nothing.
Insurance claims seem to be paid by the insurance company after you negotiate whether it is private or public. Yours will definitely pay, and his can only pay after you reach an agreement or the court decides that he can't afford it. You can apply for execution according to his insurance situation.
If the other person is still reasonable, you can talk to him slowly. If not, you can only find a lawyer, and it will be easier to talk after the appeal.
4, it is recommended to settle, and the general traffic police will also suggest settling. This is more complicated, mainly based on the traffic police's responsibility certificate. It is very troublesome to make it public, mainly involving the issue of future implementation. Everyone will find acquaintances, and now they need money. If they settle down, they may have less money, but they can get it right away. Mine is private, but it will take three years to get the money. The other party can't get it at once, and it's also a headache, but after signing the agreement, you can get more than half!
I hope it helps you!