保险方面，按照法律和保险合同惯例，交通肇事逃逸不得使用商业险理赔，需要由肇事者依法承担受害 人的全部赔偿责任。(完) 交通肇事逃逸不得使用商业险理赔？律师解读金晨疑涉肇事逃逸 中新网北京1月29日电(记者 郎朗)近日，"曝金晨肇事逃逸"引起关注。有知情人士透露，2025年3月16 日，演员金晨驾驶汽车在浙江省绍兴市柯桥区发生交通事故，事故发生后，金晨让自己的助理顶包。随 后#曝金晨肇事逃逸##金晨疑似涉嫌交通肇事逃逸#登上热搜。截至发稿，金晨方尚未回应。 图为金晨。来源：金晨工作室社交媒体账号 "柯桥区湖塘街道岭下村"为绍兴交警柯南中队辖区，中新网记者1月29日致电浙江绍兴交警柯南中队， 工作人员表示："事情要问局里，他们成立调查组了，是柯桥区公安分局。"记者随后致电柯桥区公安分 局，截至发稿，暂未获得回复。 对于交通肇事逃逸，北京德翔律师事务所主任安翔告诉中新网，依据道路交通安全法，根据情节轻重可 处罚款、扣分乃至吊销驾照且终身禁驾。 来源：中国新闻网 编辑：王永乐 广告等商务合作，请点击这里 本文为转载内容，授权事宜请联系原著作权人 中新经纬版权所有，未经书面授权，任何单位及个人不得转载、摘编或以其它方式 ...

Core Viewpoint - The case highlights the legal consequences of evading responsibility in traffic accidents, emphasizing that individuals attempting to avoid liability through deceitful means may face severe repercussions, including financial obligations to repay medical expenses covered by social assistance funds [1][2][3] Group 1: Incident Overview - On December 11, 2021, an accident occurred in Nanjing, where a driver named Yin collided with another vehicle, resulting in injuries and damage [1] - After the accident, Yin attempted to evade responsibility by having his wife impersonate him at the scene, leading to a determination of full liability by traffic authorities [1][2] Group 2: Insurance and Compensation - The involved vehicle was insured with mandatory traffic accident liability insurance and an additional third-party liability insurance with a limit of 1.5 million yuan [2] - Due to Yin's illegal driving and impersonation, the insurance company only compensated the victim 18,000 yuan under the mandatory insurance, refusing further claims under commercial insurance [2][3] Group 3: Court Ruling - The court ruled that Yin, as the actual perpetrator, is responsible for repaying the 45,253.77 yuan in medical expenses that were advanced by the Road Traffic Accident Social Assistance Fund [3] - The insurance company was deemed to have fulfilled its obligations by paying the mandatory insurance compensation and was not liable for returning funds to the social assistance fund [3]