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From the beginning, human society has been confronted with natural disasters and accidents. In the process of struggling with nature, ancient people came up with insurance ideas and original insurance methods to deal with disasters and accidents.
In foreign countries, the idea of insurance and the initial embryonic form of insurance have been produced in ancient times: there was a mutual fund organization among ancient Egyptian masons, which collected membership fees from each member to pay for the funeral expenses of individual members after their death; There were also soldiers' organizations in the ancient Roman army. After soldiers were killed, they collected membership fees as pension expenses for their survivors. The earliest idea of insurance abroad originated from ancient civilized countries such as Babylon, which is located in the east-west trade artery. The earliest law with insurance records abroad is code of hammurabi, which stipulates that if a caravan carrying on long-distance transportation suffers losses due to robbery or disaster during transportation, the carrier may not be liable for compensation, and all caravans must compensate for the losses. In addition, funeral assistance in ancient Rome and Chirt in medieval Europe were also early forms of insurance abroad.
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.
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