Will auto insurance refuse to pay for driving with a history of mental illness?

Car insurance with a history of mental illness generally refuses to pay compensation. If the mental patient is a person without civil capacity and can't drive, the insurance company can refuse to pay compensation. Moreover, mental patients can't get a driver's license, so mental patients generally have no insurance compensation for driving motor vehicles.

What is the insurance company's claim process?

1, report the case. After a traffic accident occurs while driving, you must immediately report it to the public security traffic management department where the accident occurred;

2, inspection, the insurance company should take the initiative to the scene of the accident, the accident vehicle damage;

3. Handling claims. When the insured goes to the insurance company to settle claims, he should bring his driving license, insurance contract and accident liability confirmation and other relevant documents;

4. Sign the claim. If there is no dispute over the above list, it will take effect after the applicant signs it, which will serve as the basis for the insurance company to settle claims.

Legal basis: Article 22 of the Civil Code of People's Republic of China (PRC).

An adult who can't fully recognize his own behavior is a person with limited capacity for civil conduct, and the implementation of a civil juristic act is represented by his legal representative or recognized and ratified by his legal representative; However, civil legal acts that are purely beneficial or suitable for their intellectual and mental health can be implemented independently.