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驾驶员吸食“笑气”后驾车引发交通事故 保险公司能否拒赔?
Ren Min Wang· 2025-08-05 00:53
Core Viewpoint - The court ruled in favor of the insurance company, denying the claim for damages after a driver, under the influence of "laughing gas," caused a traffic accident, emphasizing the need to discourage such behavior for public safety [1][2][3] Group 1: Legal Proceedings - The initial ruling by the Linhai City People's Court rejected the car owner's claim for compensation, which was later upheld by the Taizhou Intermediate People's Court [1][3] - The driver, Zhang, was found to have impaired driving ability due to the consumption of "laughing gas," leading to the accident and full liability for the damages [2][3] Group 2: Insurance Policy Implications - The insurance company's refusal to compensate was based on the policy's exclusion clause regarding the use of drugs, which the court interpreted to include "laughing gas" due to its recognized dangers [1][2] - The court highlighted that excluding "laughing gas" from the insurance company's liability would undermine public safety and legal driving standards [2][3]