律师先生:我虽已63岁,但由于所持驾驶证的有效期至2022年1月1日,因而时不时仍会驾车。为避免风险,我还就自己的小车在保险公司投保了50万元的第三者商业责任保险。三个月前,我在驾车时因采取措施不当,将行人李某撞成重伤。经交警部门认定,我负事故的全部责任。可当我要求保险公司在保险限额内对李某给予理赔时,却遭到拒绝,理由是我的驾驶证虽然在有效期内, Lawyer: Although I am 63 years old, I am still driving a car because my driving license is valid until January 1, 2022. To avoid the risk, I also insured 500,000 yuan of third-party commercial liability insurance for my car at the insurance company. Three months ago, I was driving a car due to improper measures, the pedestrian Lee hit a serious injury. The traffic police department finds that I am fully responsible for the accident. But when I asked the insurance company within the insurance limit Lee to pay claims, but was rejected on the grounds that although my driver’s license is valid,