Legal basis: Regulations on Compulsory Liability 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. The loss caused by the road traffic accident is intentionally caused by the victim, and 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 have the right to recover from the victims:
(a) the driver has not obtained the driving qualification or is drunk;
(2) The insured motor vehicle was stolen during the accident;
(3) The insured intentionally creates a road traffic accident.
Under any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs and property losses are caused to the victim, the insurance company shall not be liable for compensation.
Twenty-third motor vehicle traffic accident liability compulsory insurance to implement a unified national liability limit. The liability limits are divided into death and disability compensation limits, medical expenses compensation limits, property loss compensation limits and compensation limits for which the insured is not liable in road traffic accidents. The liability limit of compulsory motor vehicle traffic accident liability insurance shall be stipulated by the China Insurance Regulatory Commission jointly with the public security department of the State Council, the health department of the State Council and the agricultural department of the State Council.
Article 24 The State establishes a social relief fund for road traffic accidents (hereinafter referred to as the relief fund). Under any of the following circumstances, the funeral expenses and part or all of the rescue expenses of the victims of road traffic accidents shall be paid in advance by the relief fund, and the relief fund management institution shall have the right to recover from the persons responsible for road traffic accidents:
(a) the cost of rescue exceeds the liability limit of compulsory insurance for motor vehicle traffic accidents;
(two) the motor vehicle did not participate in the compulsory insurance of motor vehicle traffic accident liability;
(3) A motor vehicle escapes after an accident.