it is illegal to drive any vehicle alone on learning licence only. Secondly, the PUC i.e. Pollution under control certificate should have been taken before its expiry. anyways, the insurancecompany shall try to defend and reject the claim on the basis that the vehicle was driven by the non licence holder.
Therefore, it would be quite a challenging task to contest for the claim.
You also need to check from the reports of the hospital what was the cause of death. whether the death occured due to accident injuries or was there any other reason.
please check and confirm.
Advocate Rohit Dalmia