Drunk driving accident insurance companies bear responsibility Drunk driving accident insurance companies bear responsibility [At 09:52 on June 18th, 2010] Drunk driving accident, mistake in drivers, the insurance company should compensate it? June 17, the reporter learned from the Weihai Intermediate People's Court, the hospital recently concluded with the drunk driving accident insurance dispute, Judgement drunk driving drivers and insurance companies are held accountable. The judge described as the province's first drunk driving accident insurance dispute case, the conclusion of this case overturned the previous drunk driving accident the insurance company to pay only Peifu the idea of compulsory insurance, reflecting the new judicial philosophy. Last year at 19:00 on February 2 and more, Wang drunk driving after a small passenger car in front of a hospital in Weihai, the hit Gumou motorcycle driving without a license, resulting in injuries on the spot Gumou coma, two vehicles damaged. Gumou sent to hospital the same day Jibei treatment, for a total cost of medical expenses 95,912.84 yuan. March 11, the traffic police make a determination of the accident: Wang and Gu Mou bear equal responsibility for the accident. As compensation for the long-term consultations to no avail, Gumou Xiangrong into the city court, requesting the court to bear the loss of 50% of the Wang. Wang also asked insurance company in the insurance liability limits. Court, the insurance company contended that the accident caused due to drunken driving Wang, so the insurance company to pay only for the motor vehicle insurance liability limits in high cost of advanced rescue, bear no other liability. During a court hearing, also formed two opinions. One view was that drunk drivers drive, the insurance companies in the compulsory traffic accident liability insurance liability limits advance rescue expenses, do not assume liability for other losses. Another view is that the main purpose of insurance is to enable accident victims to receive the basic protection of social welfare properties. All accidents regardless of whether the parties are at fault and how the degree of fault, the insurance company shall, within the sum insured Xianhangpeifu, which should include the drunken accident. Court of first instance for medical expenses the insurance company to compensate Gumou 10,000 yuan, 110,000 yuan compensation disability; sentence drunk driving by Wang, the loss of 90,636 yuan compensation Gumou. Insurance companies refused to accept the Court of Appeal to Weihai. Court of second instance upheld recently made the final decision. Points assessment Weihai Intermediate People's Court Vice President Zhang Lijuan four people: In real life, the driver drunk driving accident, the result of facing criminal detention, sentence or a fine, compensation for victims ignored, and some drivers in order to evade justice simply "drop unknown ", which led to the isolation of the victim into a dilemma. Therefore, the concept of the modern insurance legislation is to protect the victims to receive compensation as a starting point in time. As long as an accident, regardless of who is responsible, the insurance company should be actively within the insured amount of compensation. Of course, this provision is to protect the victims of traffic accidents, drunk driving is not condoned. Because under the law, if the drunk driving accident, the insurance company for compensation, the right to recover the driver drunk driving.