The rules of chess are that if your opponent runs out of time, but you don't have enough pieces to checkmate them, then it's a draw. So if you only have King & one Bishop left, say, and your opponent, with just a King, runs out of time, the server will award a draw, since there's no way of setting up a checkmate with just K+B vs K.
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Why does the game draw when my opponent ran out of time ?
It says insufficient material. I had over a min when he's time was over !!!
This happened to me multiple times, and always when my opponent has a lower rating than me and I lost points for that !
Is it an error ? or maybe a rulling thing ?