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自2016年4月1日起施行的《机动车驾驶证申领和使用规定》第十三条规定:“有下列情形之一的,不得申请机动车驾驶证:(一)有器质性心脏病、癫痫病、美尼尔氏症、眩晕症、癔病……等妨碍安全驾驶疾病的”。那么如果驾驶人在驾驶机动车过程中突发特殊疾病导致保险事故的发生,保险公司是否应承担责任?为此,我们特别选取了其中某个代表性的案例,对理赔问题进行分析。
Since April 1, 2016 come into effect the “motor vehicle driver’s license claim and use of” Article XIII provides: “one of the following circumstances, shall not apply for a motor vehicle driver’s license: (a) have a quality Heart disease, epilepsy, Meniere’s disease, vertigo, hysteria ... and other diseases that impede safe driving. ” So if the driver in the process of driving a motor vehicle accident caused by a special disease led to the occurrence of insurance, the insurance company should bear the responsibility? To this end, we specifically selected one of the representative cases to analyze the claims.