Does Driving Without a License and Causing an Accident Qualify for Insurance Compensation?
Article 13 of Decree 03/2021/ND-CP on compulsory civil liability insurance for motor vehicle owners stipulates:
Insurance companies shall not indemnify damages in the following cases:
Intentional actions causing damages by motor vehicle owners, drivers, or the damaged persons.
The driver causing the accident intentionally flees the scene without fulfilling the civil liability of the motor vehicle owner. In cases where the driver causes an accident, intentionally flees the scene but has fulfilled the civil liability of the motor vehicle owner, it is not considered an exclusion of insurance liability.
The driver is under the age or exceeds the age for operating a motor vehicle as stipulated by road traffic laws; the driver does not have a Driver's License or uses an invalid Driver's License (the serial number on the back does not match the most recently issued serial number in the driver's license management information system) or uses a Driver's License not issued by a competent authority, a tampered Driver's License, or uses an expired Driver's License at the time of the accident, or uses a Driver's License inappropriate for the motor vehicle required to have a Driver's License. In cases where the driver's right to use the Driver's License has been temporarily or permanently revoked, it is considered as not having a Driver's License.
=> Thus, driving and causing an accident in the case where the driver does not have a driver's license will result in the insurer refusing to indemnify the damages.
Sincerely.
