Which Traffic Violations Are Not Covered by Insurance Compensation?

[DelLiam]

Driving license issues, driver problems, hit-and-run incidents involving insured vehicles, and traffic violations involving private vehicles used for commercial purposes are not eligible for insurance compensation. Below are the relevant details: 1. Driving License: No valid driving license; driving a vehicle that does not match the vehicle type permitted on the license; driving a civilian vehicle with a military or armed police driving license; driving a military or armed police vehicle with a civilian driving license. The driver holds a driving license that failed inspection; other situations specified by public security traffic management departments as not having a valid driving license. 2. Driver: The driver was under the influence of alcohol, drugs, or anesthesia when the insured incident occurred. 3. Hit-and-Run: A hit-and-run involving an insured vehicle. 4. Private Vehicles: Private vehicles used for commercial purposes (commonly known as 'black cars').

[ODawson]

I know there are quite a few situations where insurance won't cover you after a traffic violation. Drunk driving is a classic example—if the insurance company finds out you were driving under the influence and got into an accident, they'll outright deny your claim because they see it as you deliberately taking risks. The same goes for unlicensed driving; if you don't even have a driver's license, the insurance won't recognize any justification. Hit-and-run is another big one—if you hit someone and flee, it's considered a serious offense, and the insurance company definitely won't pay. Deliberately causing an accident also lands you on the blacklist, like staging a crash to commit insurance fraud, which is outright illegal. I've been driving for over 20 years and have seen plenty of cases. Don't cut corners to save money or take chances—once you violate the rules, not only will you face fines and points, but your insurance will also be voided. Safety is the top priority. Remember, staying compliant while driving protects both yourself and others. Regularly check your vehicle's condition, follow traffic rules, and don't let small mistakes turn into major disasters.

[ValerieDella]

My friend's experience of being denied a claim after drunk driving was terrifying—he almost went bankrupt fixing his car. Among traffic violations, drunk driving is absolutely off-limits; if the insurance company detects blood alcohol levels above the limit, they'll reject the claim. The same goes for unlicensed driving—if you don’t have a license and get into an accident, the insurer will deem you irresponsible. If you flee the scene of an accident and it’s recorded in the police report, the insurance company will say goodbye once they verify it. Then there’s intentionally crashing for insurance fraud—that’s outright fraud, and even the law won’t tolerate it. I used to do foolish things when I was younger, but now I understand: breaking the rules might feel good in the moment, but the aftermath is full of trouble. Insurance companies aren’t charities—they only cover normal accidents. Make it a habit to read your policy terms beforehand, don’t wait until something happens to regret it. Safe driving is the real way to peace of mind.

[DelMarley]

Having driven for many years, I've seen plenty of cases where violations lead to denied claims: Drunk driving is absolutely unacceptable—insurers will directly refuse coverage if they detect alcohol levels exceeding the limit. Driving without a license is equally out of the question; no one will cover you if you lack legal qualifications. Hit-and-run accidents are no different—once you flee, the responsibility escalates and insurance won't pay. These situations can easily lead to major trouble, so following the rules is essential for peace of mind.