The end of last year, Miss Lee car insurance expires in January 31, 2014 24. But because the job is busy, Miss Lee until the February 2nd renewal, around 10 am, the insurance company staff took the POS home, Miss Li to pay by credit card. But never mind, on the afternoon of the same day Miss Li's car on the road and a bus collided. After the accident, Miss Li to call the insurance company customer service report, but found not check out her insurance policy number. After many setbacks to Miss Li found out, the policy effective date of the insurance mark is at 0:00 on February 3, 2014, and last year's policy has been in January 31st 24 terminated.

In fact, like Miss Li experience may be a lot of people are met. Auto insurance may have a concept, think the so-called auto renewal, as the name implies, in guarantee period is certainly "seamless link", but in fact there is misunderstanding.

As a kind of insurance, the insured or the insured whether is the first renewal, the new policy is started from that moment, is in fact the invitation issued by the insured (i.e. agreed date), and then by the insurance companies to accept the offer, then the insurance contract is established. Of course, in the process of auto insurance agreement renewal policy effective date, the insurance company staff generally agree that the new policy effective date is the best, then a policy validity end date, so that the "seamless connection".

Therefore, a person in charge of the implementation of the Beijing property insurance, auto insurance market is "see a single charge" approach. Among them, cross strong insurance as a compulsory insurance, at present already can realize the payment immediately, of course, can also be by the insured and the insurance company agreed from a specific point in time begin and end the insurance liability.

But the commercial insurance in general can not achieve effective immediately, if no special agreement specific dates, the policy effective date is the day after the payment of insurance at. Usually, if the owner is at 4 p.m. for auto insurance, due to the system of auto insurance, at least two days notice, the specific time effect is still "zero".

Therefore, the auto insurance responsible person to remind consumers, if encounter similar Miss Li this situation, insurance on one year warranty has expired, the new policy has not continued, is actually free period there will be security interrupted "".

Owners on the road can only enjoy cross strong insurance guarantee in this period of time, once the accident, the insurance company will compensate in cross strong insurance responsibility range. So in this no insurance "gap" period, the owner must be careful, it is best not to go. In order to make insurance renewal can be "seamless", a few days in advance renewal is necessary.