Take the case to the risk
1. The gist of the case
Policyholders should read the insurance exclusion clause carefully when purchasing insurance. Driving without a license or license is not an insurance liability, and the party responsible for the accident not only cannot get compensation from the insurance company for the accident loss, but the insurance company also has the right to recover the rescue expenses paid by the insurance company from the party responsible for driving without a license.
2. Case introduction
Wang purchased accident medical insurance for himself at the insurance company. One day, he was driving a two-wheeled motorcycle (with compulsory traffic insurance) and accidentally collided with a pedestrian, resulting in injuries to the pedestrian and himself. In the accident, Wang was judged to be fully responsible for the accident. After the accident, Wang first reported the case to the insurance company of his vehicle, claiming more than 10,000 yuan in medical expenses. According to the verification of the staff of the insurance company, in the accident, the driver of the accident drove a motorcycle with a C1 driver's license, and the corresponding quasi-driving type of his driver's license should be a small car, which did not match the type of driver's license required for the actual driving of the motorcycle at the time of the accident, and belonged to the compulsory traffic insurance exclusion. Wang was unable to apply for accidental medical treatment to the insurance company with the claim information after receiving compensation from the property company, and after the insurance company reviewed it, he still refused to pay for the same reason.
3. Case analysis
The relevant insurance clauses clearly stipulate that if the driver does not obtain the driving qualifications, it will be regarded as driving without a license, such as in this accident, Wang did not obtain a motorcycle driver's license, which does not belong to the insurance liability. The party responsible for driving without a license not only cannot get compensation from the insurance company for the accident loss, but the insurance company also has the right to recover the rescue expenses paid by the insurance company from the party responsible for driving without a license. In addition, compulsory motor vehicle insurance and commercial insurance also include the exemption of liability in the case of unlicensed driving.
4. Case enlightenment
Driving a motor vehicle that does not match the type of driving permitted by the driver's license is illegal driving, and not only can you not get the compensation smoothly, but you will also face punishment from the traffic police. Therefore, do not take chances to drive a motor vehicle that does not conform to the permitted driving permit on the road, so as not to bring huge safety risks to yourself and others.
Contributed by: Yunfu Zhongzhi).