驾驶证处于注销状态时发生交通事故,交强险赔不赔?
Ren Min Wang·2025-05-30 00:42

Core Viewpoint - The court ruled that the insurance company is liable to compensate for medical expenses, nutritional costs, nursing fees, and transportation costs within the compulsory insurance liability limit, despite the driver's license being expired and thus invalid at the time of the accident [1][2][3]. Group 1: Legal Interpretation - According to the Supreme People's Court's interpretation, if a driver lacks a valid driving qualification and causes personal injury to a third party, the court should support the claim for compensation from the insurance company within the compulsory insurance liability limit [2]. - The case highlights that the driver's expired license falls under the category of lacking driving qualifications, which obligates the insurance company to compensate for personal injury costs, while property damage must be compensated by the driver [2][3]. Group 2: Insurance Implications - Compulsory insurance (交强险) is designed to ensure that victims of traffic accidents receive compensation, emphasizing its social welfare purpose [3]. - The insurance company can seek reimbursement from the driver after compensating the victim, indicating that while the insurance covers initial damages, the driver remains responsible for subsequent claims [3]. Group 3: Public Awareness - The case serves as a reminder for drivers to maintain valid driving credentials and adhere to traffic regulations to promote a safe and orderly traffic environment [3].

驾驶证处于注销状态时发生交通事故,交强险赔不赔? - Reportify