In Luoyang, injured during the trip—who is responsible? How handled after?

[Direct conclusion] 【The agency holds liability insurance; injuries from our arrangement (car, guide, contracted items) are paid by insurer by fault; own-cause (e.g., leaving group, ignoring advice) is self-borne. Key points to keep in mind: 1. First aid, evidence, insurance report—our iron rule.】 Fault split: Flow: Three reminders: Contract shows 'liability limit'; we include and can add accident cover. 2. Off-group incidents aren't covered; follow guide, no rogue. 3. Safety is baseline. 4. No shifting; save first, then clarify fault. Note: The earlier you raise a change, the more options you have. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.