This is how this situation is handled on different sites:

### FIDE

In FIDE OTB games (over-the-board) the following rules apply:

* If a players flag falls, and he can be mated *anyhow*, then he loses. Otherwise [it is a draw][1].

* In standard and rapid time controls, but not in blitz, a player [can claim draw][2] *before his flag falls*, if his opponent "can not make progress by normal means".

### Online chess

In online chess things need to happen automated. Some sites like Lichess have millions of games per day, so it would be unmanageable to have human intervention.

* All sites declare draw in the simple cases like K against K(B or N). Lichess also includes some more advanced cases like K(Q)\* against KN and K(R)\* against KB.

* No site detects [all cases][4] where mate is not possible. It is an unsolved [technical challenge][3]. All non-trivial cases where mate is not possible will incorrectly be counted as loss in online chess. That's life.

* [*chess.com*][5], [*ICC*][6] and less frequented sites always declare draw when the player has just knight or bishop. On ICC, if a forced mate was possible, one can later claim to get the points, but not the win.

* *Lichess*, *chess24* and *schach.de* apply the above FIDE blitz rules. The above chess.com example would be a loss for white on these sites.


  [1]: https://handbook.fide.com/chapter/E012018#button1:~:text=The%20game%20is%20drawn%20when%20a,with%20any%20series%20of%20legal%20moves
  [2]: https://handbook.fide.com/chapter/E012018#button1:~:text=He%20may%20claim%20on%20the%20basis%20that,effort%20to%20win%20by%20normal%20means
  [3]: https://github.com/ornicar/lila/issues/6804
  [4]: https://github.com/ornicar/lila/issues/8515
  [5]: https://www.chess.com/game/live/2896314735
  [6]: https://www.chessclub.com/help/draw#logo:~:text=Also%2C%20you%20cannot%20win%20on%20time,knight%2C%20or%20a%20King%20and%20bishop