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首页 > 法律咨询 > 投保人在保险公司投了保个人意外险，后投保人驾驶电动车被撞身亡
合同纠纷 北京 伊犁哈萨克自治州

投保人在保险公司投了保个人意外险，后投保人驾驶电动车被撞身亡，保险公司能否以电动车超标为由拒赔个人意外险？

0 解答 0 浏览 2019-10-14 10:12
问题补充
2018年1月20日，李某在某保险公司投保个人意外险，同年11月16日，李某驾驶电动车被撞身亡，经交警队鉴定李某不承担此次事故的责任。但该电动车被鉴定为超标电动车。因此在李某家属要求保险公司对李某的意外身亡进行理赔时，遭到了保险公司的拒绝，理由即为保险合同约定了被保险人无证驾驶机动车发生事故保险公司不承担给付保险金的责任。请问保险公司拒绝赔偿有法律依据吗？
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  157. /www/wwwroot/tp8.51wf.net/app/index/route/app.php ( 33.14 KB )
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  162. /www/wwwroot/tp8.51wf.net/app/index/controller/Question.php ( 43.25 KB )
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  183. /www/wwwroot/tp8.51wf.net/app/common/library/LawyerAuth.php ( 11.92 KB )
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  1. CONNECT:[ UseTime:0.000796s ] mysql:host=127.0.0.1;port=3306;dbname=dev_51wf_net;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fa_route_redirect` [ RunTime:0.000753s ]
  3. SELECT * FROM `fa_route_redirect` WHERE `status` = 'normal' AND `is_regex` = 0 AND `old_url` = '/question/1199864.html' LIMIT 1 [ RunTime:0.000410s ]
  4. SELECT * FROM `fa_route_redirect` WHERE `status` = 'normal' AND `is_regex` = 1 ORDER BY `weigh` ASC [ RunTime:0.000303s ]
  5. SHOW FULL COLUMNS FROM `fa_city` [ RunTime:0.000902s ]
  6. SELECT * FROM `fa_city` WHERE `pinyin` <> '' AND `pinyin` IS NOT NULL ORDER BY `sort_order` LIMIT 20 [ RunTime:0.000589s ]
  7. SELECT * FROM `fa_city` WHERE `pinyin` <> '' AND `pinyin` IS NOT NULL ORDER BY `pinyin` [ RunTime:0.001067s ]
  8. SHOW FULL COLUMNS FROM `fa_province` [ RunTime:0.000627s ]
  9. SELECT * FROM `fa_province` WHERE `natual_id` <> '' AND `natual_id` IS NOT NULL ORDER BY `sort_order` LIMIT 20 [ RunTime:0.000342s ]
  10. CONNECT:[ UseTime:0.122854s ] mysql:host=43.136.182.166;port=3306;dbname=ai_brain;charset=utf8mb4
  11. SHOW FULL COLUMNS FROM `fa_ai_usage` [ RunTime:0.082701s ]
  12. SELECT * FROM `fa_ai_usage` WHERE ( `user_id` = 0 AND `client_ip` = '216.73.216.109' ) AND `usage_date` = '2026-10-31' LIMIT 1 [ RunTime:0.082058s ]
  13. SHOW FULL COLUMNS FROM `fa_question` [ RunTime:0.001185s ]
  14. SELECT * FROM `fa_question` WHERE `question_id` = '1199864' AND `audit_status` = 1 AND `deletetime` IS NULL LIMIT 1 [ RunTime:0.000602s ]
  15. SHOW FULL COLUMNS FROM `fa_qa_category` [ RunTime:0.000878s ]
  16. SELECT `text`,`category_id` FROM `fa_qa_category` WHERE `category_id` IN ('10001','10014') [ RunTime:0.000372s ]
  17. SELECT * FROM `fa_province` WHERE `province_id` = '1' LIMIT 1 [ RunTime:0.000318s ]
  18. SELECT * FROM `fa_city` WHERE `city_id` = '355' LIMIT 1 [ RunTime:0.000281s ]
  19. SHOW FULL COLUMNS FROM `fa_answer` [ RunTime:0.000600s ]
  20. SELECT `a`.`answer_id`,`a`.`content`,`a`.`creator_id`,`a`.`is_best`,`a`.`is_top`,`a`.`good_rate`,`a`.`is_ai_answer`,`a`.`ai_confidence`,`a`.`claimed_by`,`a`.`createtime`,l.name as nickname,`l`.`avatar`,`l`.`username` FROM `fa_answer` `a` LEFT JOIN `fa_lawyer` `l` ON `a`.`creator_id`=`l`.`id` WHERE `a`.`question_id` = '1199864' AND `a`.`audit_status` = '1' AND `a`.`deletetime` IS NULL ORDER BY `a`.`is_top` DESC,`a`.`is_best` DESC,`a`.`good_rate` DESC,`a`.`createtime` ASC [ RunTime:0.000563s ]
  21. SELECT `question_id`,`title`,`answer_count`,`view_count`,`create_time` FROM `fa_question` WHERE `audit_status` = 1 AND `deletetime` IS NULL AND `question_id` <> '1199864' AND `second_category_id` = '10014' ORDER BY `create_time` DESC LIMIT 8 [ RunTime:0.000640s ]
  22. SHOW FULL COLUMNS FROM `fa_lawyer_expertise` [ RunTime:0.000504s ]
  23. SELECT `l`.`id`,`l`.`name`,`l`.`avatar`,`l`.`slogan`,`l`.`answer_count`,`l`.`follower_count` FROM `fa_lawyer_expertise` `e` INNER JOIN `fa_lawyer` `l` ON `l`.`id`=`e`.`lawyer_id` WHERE `e`.`category_id` = '10014' AND `l`.`audit_status` = '1' AND `l`.`status` = 'normal' AND `l`.`deletetime` IS NULL ORDER BY `l`.`answer_count` DESC LIMIT 6 [ RunTime:0.000470s ]
  24. SHOW FULL COLUMNS FROM `fa_lawyer` [ RunTime:0.000841s ]
  25. SELECT `id`,`username`,name as nickname,`avatar`,`slogan`,`answer_count` FROM `fa_lawyer` WHERE `audit_status` = 1 AND `status` = 'normal' AND `deletetime` IS NULL AND `answer_count` > 0 ORDER BY `answer_count` DESC LIMIT 6 [ RunTime:0.003019s ]
  26. SHOW FULL COLUMNS FROM `fa_article` [ RunTime:0.000719s ]
  27. SELECT `a`.`id`,`a`.`title`,`a`.`thumbnail`,`a`.`view_count`,c.text as category_name FROM `fa_article` `a` LEFT JOIN `fa_qa_category` `c` ON `a`.`category_id`=`c`.`category_id` WHERE `a`.`audit_status` = '1' AND `a`.`deletetime` IS NULL ORDER BY CASE WHEN a.category_id = 10014 THEN 0 ELSE 1 END,`a`.`view_count` DESC LIMIT 4 [ RunTime:0.035941s ]
  28. SELECT `content`,`is_best`,`createtime`,`lawyer_id`,`good_rate` FROM `fa_answer` WHERE `question_id` = '1199864' AND `audit_status` = 1 AND `deletetime` IS NULL ORDER BY `is_best` DESC,`is_top` DESC,`good_rate` DESC,`createtime` ASC LIMIT 10 [ RunTime:0.000703s ]
0.415312s