The drunk driver died on the spot. Can I claim compensation if I only buy strong insurance?

Can't get a claim. If a third party suffers losses due to drunk driving, the insurance company will compensate the third party within the scope of compulsory insurance, with an amount of about 2,000 yuan, but the compensation condition is limited to "drinking". But if it is the driver's own car and personal loss, it is not within the scope of compensation.

After paying the compulsory insurance, the traffic accident can be pretreated. Compulsory traffic insurance stipulates that drunk driving can claim compensation according to the situation. However, accidents caused by drunk driving will not be settled. This means that after the driver has a traffic accident after drunk driving, the relevant departments need to identify the driver according to law, and the identification result is drunk driving. According to the situation, if a traffic accident caused by driving causes third-party casualties or property losses, the scope of compensation is limited to drunk driving. Drivers who drive themselves or the vehicles they drive after drinking will not be compensated.

After the traffic accident, the insured shall apply to the relevant departments for compensation, and the relevant departments shall verify it within 5 days after receiving the application, certificates and various materials submitted by the insured, and notify the insured. If the approved result falls within the scope of claim settlement, the claim settlement shall be completed within 10 days after consultation with the claimant. If it is not within the scope of the claim, a written explanation shall be made to the claimant. If there is a claim dispute, there is no unified identification. Both parties may bring a lawsuit to the arbitration organ or the people's court, and the arbitration organ or the people's court will make a judgment.