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, the insurance company shall advance the rescue expenses within the liability limit of compulsory motor vehicle traffic accident insurance, and shall have the right to recover from the person who caused the injury: (1) 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.
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 by the rescue fund in advance, and the rescue fund management institution shall have the right to recover from the person responsible for road traffic accidents: (1) The rescue expenses exceed 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.