Ms Wang citizens to buy a new car, and buy insurance. Never thought before. Formal license, the traffic accident happened to the vehicle, the insurance company to "the car has no temporary licence" on the grounds, refused to claim. She call the hotline, why buy insurance, the vehicle after the car accident, but not claims? In the absence of handling vehicle Pro Card Case on the road, 4S shop is going to bear the responsibility?

Owners: the new car 24 hours into the

Ms. Wang one family in January 5, 2012, at the Liuhe Tianma 4S shop to buy a new car, only to crash "on the afternoon of January 6th, overtaking, opposite in a truck, he than avoidance, head." This hit let Ms. Wang love dearly unceasingly, new body dent, shell severely damaged, repair personnel "after watching, said estimated to cost about 30000 yuan." It pours, the accident Ms. Wang full responsibility, but Ms. Wang was fortunately, insurance January 5th evening has come, so she hurriedly call the insurance salesman phone.

The insurance salesman goes to Ms. Wang a head-on blow, "vehicles do not temporary license, commercial insurance claim." But she looked at policy marked, the premium to confirm the time for January 5, 2012, and the time the accident occurred in January 6th. In this regard, the insurance company agrees to owners insurance, and signed the contract, and the insurance company will insure the vehicle owner before the official licences issued time calculation in the insurance period, it received the insurance premium. Now, but in "the car is not the car" refused to compensate, Ms. Wang think it is not reasonable. In addition, to Ms Wang angry is, 4S shop did not remind yourself, no temporary license the vehicle can not be on the road.

4S shop: the two sides have made exemption receipt

Pegasus 4S shop of Mr. Tong said he had been informed of this matter, he is very angry, "the car that I have repeatedly told her not to rush to the car, she would not listen." He introduced, Ms. Wang a pedestrian is the afternoon of January 5th to buy, long settle on this car, also commissioned by the 4S store to buy insurance, purchase a car the process was very smooth. But whether finally in the car on this one problem, both sides have differences, Mr. Tong "need to apply for temporary license" by not urge them to the car, but Ms. Wang to "friends waiting car to celebrate" on the grounds to the vehicle. Mr. Tong Ao however they, proposed to indicate "the car has been in receipt, licence No, insurance has bought, vehicles in the process, all the responsibility by the owners of ego" and other words, Ms. Wang agreed, 4S shop let Ms. Wang will car to go.

When asked whether the 4S store negligence in this matter, Mr. Tong said, they tried to remind the responsibility, should not assume any responsibility for the matter.

　The insurance company claims: Constraints

Balance industry management department staff said, for car insurance customers, need to provide the vehicle certificate, invoice and purchase a car owner ID card, "according to" road traffic safety law "provisions of article eighth, the vehicle has not been registered, need to temporarily run on road, it shall have a temporary pass".

The balance of insurance industry management department and claims that, if in the event of the free period of traffic accident, commercialAutomobile insuranceA violation of section fourth provisions in insurance law, insurance law is illegal, the car without any number that is the road not only violates the road traffic safety law violation and insurance law. Therefore, the customer in January 6, 2012 out of business risks, due to the part belongs to the exemption.

Lawyers to view

　　The insurance company should compensate

Jiangsu Jin law firm Xu Jun lawyers think, balance the insurance company must assume responsibility for the settlement of claims. He has 3 reasons. First, the insurance company in the sale of insurance business, clearly know the car is not on the cards, but declared the contract of insurance fee, this means that the insurance company is willing to provide insurance services for a car without the licensing of vehicles. Second, insurance companies offer insurance contract is a contract format, the owner is not equal, no temporary license for will not pay the clause should be told, and not just the contracts can be. Third, the insurance companies charge a fee on the sale of insurance business immediately after, it must provide insurance services. If the above temporary license for boundaries, so the insurance charge time is not earlier than the owner Lin card on time. Generally speaking, the insurance company should not be in the benefit and avoid risk, or even avoid the moral responsibility. (Note: the law point of view for reference purposes only)

Keywords: insurance claims The insurance company The new car Accident

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