After purchasing the insurance for the vehicle on the same day, if you do not read the insurance terms carefully, you may not find the terms that take effect at 0:00 the next day. What if an accident occurs on the same day after purchasing the insurance and the insurance company refuses to compensate? Master Zhu below encountered such troubles.According to reports, Master Zhu said that he owns a Haima car he bought in 2008 and rarely drives it because there are other cars at home.
On December 2 this year, he discovered that the vehicle had been out of insurance for a week, and then went to the business hall of PICC Property and Casualty Insurance Company to buy compulsory traffic insurance.The salesperson did not introduce the insurance content and protection to him, but said that the policy would be sent to the WeChat service account later. Master Zhu paid the 965 yuan premium and left.
Later, when Master Zhu went to pick up his daughter from school at night, a scooter came over and hit the front of the car. The cyclist was sent to the hospital with a broken leg. After Mr. Zhu called the police, the liability for the accident had not yet been determined, and he also applied for insurance.
But then on December 10, the insurance company sent a written notice of denial of claim. The reason for the denial was that the insurance was not within the contract period.
Master Zhu’s policy shows that the fee-based insurance confirmation time and policy generation time are both 10:21 a.m. on December 2, 2025, and the insurance period is from 0:00 on December 3, 2025 to 24:00 on December 2, 2026.
In other words, after Master Zhu paid the money, there was an insurance window period of nearly 14 hours, but the accident occurred during this period.
The notice of refusal of compensation mentioned that Master Zhu’s accident report stated that the time of the accident was 9:00 a.m. on December 3.After investigation, it was found that the actual accident occurred at 10pm on December 2, which was not within the validity period of the policy.
Master Zhu said that this was because he only called the police on the day of the incident and not the insurance the next day. The car driver was still hospitalized and the liability for the accident had not yet been determined. The injured person had to pay the expenses for the time being.
Master Zhu did not admit that he was denied insurance, and also said that when he came to apply for insurance, the salesperson did not inform him in advance. Mr. Zhu requested that the provision in the insurance contract that takes effect temporarily the next day be invalidated and changed to take effect immediately.
The media found the Shangyu Claims Sub-Center of Local Insurance Property and Casualty Insurance Company, but the staff said it was inconvenient to be interviewed.Later, Master Zhu reported back to the insurance company and agreed to assume the insurance liability after approval.