Lawyers said the car insurance after 24 hours of effective without legal basis

Every year on the eve of the Spring Festival, each big car the most busy, time is the most prosperous business, the owners all want to mention the car before the Spring Festival, use a good holiday go dear friends or self driving travel with family. Bought a new car must cherish, reluctant to be met a tiny bit, soAutomobile insuranceAlso want to do down. When buying auto insurance, often can hearThe carSales personnel said: this insurance to only 24 hours after the entry into force. So what Is it right? Such?

The 48 year old Mr Liu, the Spring Festival will go to see the distant parents, in order to facilitate the drive before the Spring Festival, he bought a car, yesterday, he will hang on the car, drive to theBuy insurance. Mr. Liu said: "I put all the risks are bought, is a safe, I was also worried, because there is no car what insurance, in case of collision, it is my responsibility to pay out of their own pockets. This is assured, the various kinds of insurance bought." The salesperson asked Mr. Liu Is it right? Novice? Mr. Liu told her, not a novice, has spent some time in the car, but now too many people, so open up or somewhat worried. The clerk then told him: "you should be careful, best don't open today, because tomorrow is only valid insurance. The accident today,The insurance companyRegardless of the."

Mr. Liu would like to not understand, to buy insurance, why should 24 hours? But the insurance policy is not this one. So he asked on the matter of the insuranceCompany, a responsible person explained: "is the need for 24 hours, because of the need to have a effect of time, we do it according to the regulations of the company,Insurance LawIs this regulation."

Then, Mr. Liu also consulted on the matter Shandong law firm lawyers, he thought that the insurance companies is the lack of legal basis. First of all, "insurance law" the first paragraph of article thirteenth:"InsurePeople put forward demands for insurance, the insurer agrees to underwrite,Contract of insuranceThe establishment of. The insurer shall issue an insurance policy or other insurance certificate to the applicant time.". Article third paragraph thirteenth: "according to the law of insurance contract, since its establishment in force. The applicant and the insurer may on the validity of contract conditions or time limit." Article fourteenth: "after the establishment of insurance contract, the insured shall pay the premium in insurance in accordance with the agreed time, begin to undertake the insurance liability." which can be seen, the insurer of insurance policy or insurance certificate issued by the insurance contract. According to the law of insurance contract, contract is the contract time. After the entry into force of insurance contract, if within the scope of insurance liability insurance accident occurs in the contract period of insurance, the insurer shall meetCompensationThe insured losses. Of course, if the insurer compensation for losses are, first, after the effective date of the contract, the insured has been in accordance with the agreed time and in full payment of insurance premium, or the consent of the insurer to the insured delay the payment of insurance premium; second, motor vehicle accidents occur during the insurance contract. If the parties are unable to agree, the insured may bring a lawsuit to the court according to law, the arbitration clause in the contract or according to an arbitration institution for arbitration.

　　ConsumptionThose who are not professional, there will be many places do not understand or do not understand insurance laws or regulations. But insurance companies cannot use it to hide or mislead consumers. If Mr. Liu out within 24 hours, by insurance companies who might not he due compensation. The insurance company should take the insurance law as the criterion, to regulate their own behavior, establish a good reputation for the development of industry, so as to make the insurance industry faster and better.