Under what circumstances is the compulsory traffic insurance deductible?

In the scope of compulsory insurance claims, only the following four conditions are deductible :(1) the driver has not obtained the driving qualification; (2) the driver is drunk; (3) causing an accident during the period when the insured motor vehicle is stolen; (4) The insured intentionally causes a traffic accident. Explain, the second drunk and drunk is different even if you drink and drive, but did not reach the degree of drunkenness, then the three damage is and human injury, in the range of compulsory traffic insurance can be compensated. According to the current standard, the blood alcohol concentration of 0.2-0.8mg /ml(excluding 0.8) is between drunk driving, and the driver's license for more than one month and less than three months shall be temporarily confiscated, and a fine of more than 200 yuan and less than 500 yuan shall be imposed; When the blood alcohol concentration is above 0.8mg/ml, it is considered drunk driving, and he shall be detained for not more than 15 days, have his driving license temporarily withheld for not less than three months but not more than six months, and be fined not less than 500 yuan but not more than 2,000 yuan.