From the last paragraph here;
Finally, note that in cases where the opponent has insufficient material to mate (lone King, King + Knight, King + Bishop, King + 2 Knights) a draw will be automatically declared where there is a time-outThat is for a timeout of the player with the insufficient material.
I was surprised to be awarded a draw !
I had [king+rook+bishop] vs. [king]
Didn't have enough time to mate and when I ran out of time, I was sure I will loose the game but instead I was awarded a 'draw' with the message 'insufficient material'.
Does it mean that one cannot win on time with the sole king left on the chessboard ?
If I'm not clear, here's the game:
http://www.chess.com/livechess/game?id=867002313