draw if black only has a king left
What would happen if...
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it is a draw in tournaments, but on chess.com it's still a timeout.
Presumably you are talking about Live Chess, in which case it is a draw.
If you run out of time in Correspondence (i.e. 1, 2, 3 days a move) then it counts as a loss by timeout.
draw
If I'm white and I have enough material to checkmate black, but black has only his king. If I were to run out of time, is it a draw or loss?