In Luoyang, after receiving an insurance payout, can I still ask the agency for compensation?

[Direct conclusion] 【It depends on whether the agency was at fault. Key points to keep in mind: 1. Insurance covers your bodily and property loss while the agency answers for breach of contract; they are different in nature. 2. What insurance has covered generally cannot be claimed again, but the shortfall can.】 How they relate: Fault is the only test, and it is unaffected by whether you were paid by an insurer. 3. | Situation | Can you claim from the agency | |---|---| | No fault by the agency | no | | Agency at fault | yes, for the excess and deductible | | Distress and suffering | yes, separately | | Loss of the holiday | yes, under the contract | ◆ Tip: take the insurance payout first, then work out the shortfall the agency owes; two clear steps. 4. We never use an insurance payment to dodge our own duty. Note: Report the incident right away and keep every receipt and medical record. 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.