Legal basis: Regulations on Compulsory Insurance for Motor Vehicle Traffic Accidents
Article 21 If a road traffic accident happens to an insured motor vehicle, resulting in personal injury or property loss to the victims other than those on board and the insured, the insurance company shall compensate the insured within the limits of compulsory motor vehicle traffic accident liability insurance according to law. If the loss of a road traffic accident is intentionally caused by the victim, the insurance company will not compensate.
Article 22 Under any of the following circumstances, an insurance company shall pay the rescue expenses in advance within the liability limit of compulsory motor vehicle traffic accident liability insurance, and shall have the right to claim compensation from the victim:
(a) the driver has not obtained the driving qualification or is drunk; (2) An accident occurs when the insured motor vehicle is stolen; (3) The insured intentionally causes a road traffic accident. Under any of the circumstances listed in the preceding paragraph, the insurance company shall not be liable for compensation if a road traffic accident occurs and the property of the victim is lost.