If I skip insurance in Henan and something happens, who's liable?

[Direct conclusion] Agency-fault losses are covered by liability insurance; personal accident/illness without insurance is on you, recoverable only from a negligent party. Key points to keep in mind: 1. We strongly advise everyone buy accident insurance—tens of yuan for full peace of mind. 2. Insurance: Agency-fault losses are covered by liability insurance Additional: personal accident/illness without insurance is on you, recoverable only from a negligent party. 3. We strongly advise everyone buy accident insurance—tens of yuan for full peace of mind. 4. We provide group tours, private customization, ground handling, car charter and airport transfer. 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.