根据《中华人民共和国道路交通安全法》，机动车发生交通事故造成人身伤亡、财产损失的，由保险公司在机动车第三者责任强制保险责任限额范围内予以赔偿；不足的部分，若是机动车与非机动车驾驶人、行人之间发生交通事故，非机动车驾驶人、行人没有过错的，由（ ）承担赔偿责任。
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