Legal basis: Article 8 of China Insurance Association's Model Provisions on Commercial Comprehensive Insurance for Motor Vehicles falls within the scope of the above insurance liability. Under the following circumstances, the insurer shall not be responsible for the losses and expenses caused by the insured motor vehicle for any reason: (1) After the accident, the insured or its authorized driver intentionally destroyed, forged the scene or destroyed the evidence; (2) The driver has one of the following conditions: 1. After the accident, driving the insured motor vehicle failed to take measures according to law or abandoned the insured motor vehicle to leave the scene of the accident; 2, drinking, smoking, injecting drugs, taking state-controlled psychotropic drugs or narcotic drugs; 3. Without a driver's license, the driver's license is detained, withheld, revoked or cancelled according to law; 4. Driving a motor vehicle that is inconsistent with the quasi-driving type specified in the driver's license; 5. Driving a bus, operating a bus or performing a task during the internship period, carrying dangerous goods by a motor vehicle or towing a trailer by a motor vehicle; 6. Driving a taxi or commercial motor vehicle without a license issued by the transportation management department or other necessary documents; 7. There is no legal coach when learning to drive; 8. Drivers not allowed by the insured; (3) The insured motor vehicle is under any of the following circumstances: 1. When the insurance accident occurs, the driving license and number plate of the insured motor vehicle are cancelled, or the vehicle fails to be inspected according to the regulations or fails to pass the inspection; 2. During the period of seizure, seizure, confiscation and government expropriation; 3. During the competition, conduct testing, maintenance and modification in the business premises; 4. The insured or its licensed driver intentionally or grossly neglects, resulting in the insured motor vehicle being used for criminal acts.