Traffic accident litigation is not necessarily more than insurance compensation, it depends on the actual situation. The traffic accident compensation standard refers to the standard that the actor compensates the victim and the insurance company for the loss of the insured vehicle caused by the traffic accident. The compensation items paid by the compensation obligor to the victims of traffic accidents include: medical expenses, lost time, nursing expenses, transportation expenses, accommodation expenses, hospital food subsidies, necessary nutrition expenses, disability compensation, disability assistive devices expenses, living expenses of dependents, rehabilitation expenses, follow-up treatment expenses, funeral expenses, death compensation, etc. The compensation standards of different provinces and cities are not uniform.