Is the car insurance effective immediately, and whether the car insurance will start immediately or

The compulsory liability insurance of the new car insurance will take effect immediately. The policy is generally "effective at zero hour", that is, the insurance bought today will not take effect until 0:00 tomorrow in the legal sense, and this time point will also be clearly indicated on the insurance contract. Therefore, in the past, car owners generally had a "blind spot" of more than ten hours from the purchase of car insurance to the final car insurance effect.

March 25, CIRC.

In the following regard, the "Notice on Strengthening the Administration of Compulsory Underwriting of Motor Vehicle Compulsory Insurance" was issued to all insurance companies, making a provision that "the compulsory motor vehicle insurance policy shall take effect after the insured pays the premium", requiring the compulsory insurance to change the tradition of "taking effect at zero hour" and formally implement it with immediate effect.

2. According to the relevant provisions of commercial auto insurance, the effective time of the commercial auto insurance period is 0:00 the next day after the insurance is purchased, and the car insurance policyholder of the new car may face a gap period without insurance, and even many car owners buy a car, and the 4S shop will handle the car insurance on behalf of them, and they don't know when the car insurance will take effect. However, the insurance company will not pay for the loss caused by an accident when using the car during the uninsured period.

3. Motor vehicle insurance.

That is, "car insurance" is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the insurance mark. Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.

4. Vehicle loss insurance.

Responsible for compensation due to natural disasters.

or the loss of the vehicle itself caused by an accident. This is the most important type of vehicle insurance. Whether to insure or not to insure this type of insurance, you need to weigh its impact. If not, the cost of repairing the vehicle after the collision will be borne by yourself.

5. Third party liability insurance.

Responsible for the liability for direct damage to the person** or property of another person (i.e. a third party) caused by an accident in the use of the insured vehicle. Crashing or hitting someone is the most feared when driving, and it doesn't count the damage to your own car, but also to spend a lot of money to compensate others for the loss. Because the compulsory liability insurance (2008 version) compensates the third party for medical expenses and property losses is relatively low, the purchase of third-party liability insurance can still be considered as a supplement after purchasing compulsory traffic insurance.

6. On-board liability insurance.

Responsible for the liability for the direct damage to the person on the vehicle and the goods on board the vehicle caused by an accident. Among them, the personal liability of the person on the car is the accident insurance of the driver and passenger in the past.

Commercial auto insurance is not immediate. Although there are many types of commercial auto insurance, it generally does not take effect until midnight the next day of purchase.

Even if the state compulsorily requires car owners to purchase compulsory traffic insurance, it generally does not take effect immediately, and usually does not take effect until one or two hours after the insurance is insured.

It is precisely because commercial auto insurance does not take effect immediately, so car owners do not have to drive on the road immediately after buying commercial auto insurance, and can wait until the next day after the commercial auto insurance takes effect before driving on the road.

After all, if you drive on the road before the commercial car insurance is in effect, the loss caused by the accident that occurs during this period must be borne by the car owner, and the insurance company will not be liable for compensation. Of course, if the insured compulsory liability insurance has taken effect, as long as the claim conditions of the compulsory liability insurance are met, the compulsory liability insurance can still be used to obtain compensation.

As for renewing car insurance, if it is purchased in advance, it is generally not calculated until the previously insured car insurance expires.

No. The effective date of the car insurance is 0:00 on the effective date selected when filling in the application information. If you have any questions, you can contact the customer service of the insurance company for consultation, or if it is Ping An Auto Insurance, you can contact 95511-5 for consultation.

As a kind of compulsory car insurance, compulsory traffic insurance adopts the principle of immediate effect, and the compulsory traffic insurance policy plays a role in making the compulsory traffic insurance effective immediately. The effective time of the compulsory liability insurance can be obtained by checking the policy number of the compulsory liability insurance. According to the requirements of the China Insurance Regulatory Commission, there are two ways to indicate the effective time on the compulsory liability insurance policy.

First, in the "Special Agreement" column of the policy, the words "effective immediately" are written or stamped, and a special description of the insurance period is made, so that the policy takes effect immediately when the policy is issued; Second, when the insurance company issues the policy, it prints "the insurance period starts from the date of the year, the month and the date...... in the policyThe insurance period of "covering the original" shall be ...... from 0:00 on XX/XX/XX", clearly stating the specific time point of the start and end of the insurance period.

Whether the car insurance is effective immediately or the next day depends on the situation

1. After the car insurance is bought, the normal situation is that the policy takes effect at 0:00 the next day, and the car insurance purchased from a foreign-funded insurance company is generally not stamped with the official seal of immediate effect;

2. If the insurance company promises and seals it to take effect immediately when purchasing car insurance, it will take effect immediately. At present, Chinese-funded insurance companies will generally write or affix an official seal with immediate effect in the special booking column when the car insurance is **, so that the policy will take effect immediately when the policy is issued, and fully protect the interests of car owners;

3. Car insurance is divided into compulsory traffic insurance and commercial insurance, both of which are necessary to purchase insurance. The insurance company generally takes effect immediately for compulsory traffic insurance, and the next day for commercial insurance, that is, the insurance purchased by the parties today will take effect at 0:00 tomorrow. There is a time gap between the two.

[Legal basis].Article 95 of the Insurance Law of the People's Republic of China.

Business scope of insurance company:

1) Life insurance business, including life insurance, health insurance, accident insurance and other insurance business;

2) Property insurance business, including property loss insurance, liability insurance, credit insurance, guarantee insurance and other insurance business;

3) Other insurance-related businesses approved by the insurance regulatory authority.

Insurers shall not concurrently engage in life insurance business and property insurance business. However, insurance companies that operate property insurance business can operate short-term health insurance business and accident insurance business with the approval of the insurance regulatory authority.

Insurance companies shall engage in insurance business activities within the scope of business approved by the insurance regulatory authority in accordance with the law.

Car insurance bought online is not something that can be taken effect immediately. Car insurance is generally divided into compulsory traffic insurance and commercial car insurance, compulsory traffic insurance is generally effective immediately, while commercial insurance does not support immediate effect, according to the relevant provisions of commercial car insurance, the effective time of commercial car insurance insurance is 0:00 the next day after the insurance is purchased.

Car insurance is not effective immediately, the fastest effective time of car insurance is two hours, many insurance companies in the car insurance contract agreed that "the next day at 0:00", which means that after the car owner purchases insurance, the next day 0:00 is in a state of "out of insurance".

The China Insurance Regulatory Commission issued the "Notice on Strengthening the Management of Compulsory Underwriting of Motor Vehicle Compulsory Insurance" to all insurance companies, which is aimed at the insurance vacuum period. The notice requires that insurance companies can flexibly handle the underwriting of compulsory liability insurance, and write or affix the words "effective immediately" in the special agreement column of the policy. In a reply dated March 3, 2010, the China Insurance Regulatory Commission also made it clear that:

The policyholder can apply for "immediate effect" at the time of application. Therefore, it is best for the car owner to put forward an immediate agreement in the insurance contract after purchasing a new car. Effective immediately, it can be understood as:

The insurance will take effect after the premium is paid.

In addition, it should be reminded that if the insurance company only unilaterally determines that "it will take effect at 0:00 the next day" and prints it on the policy, it is not a conditional or time-limited clause, but only a standard clause. According to Article 19 of the Contract Law of the People's Republic of China, "in an insurance contract concluded using the standard terms provided by the insurer, the clause exempting the insurer from its obligations in accordance with the law or increasing the liability of the policyholder or the insured shall be invalid."

Therefore, in this case, the car owner should distinguish whether such a "0:00 on the next day" actually forms an exemption from certain liability to the insurance company, and can claim the corresponding claim liability from the insurance company for this clause that does not have legal effect.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these muffled shouts of insurance"pits"

Answer: Hello, car insurance is not effective immediately, if it is a new car to buy car insurance, then it is generally at zero time when the car owner and the insurance company agree on the car insurance effective time at zero o'clock, if there is no agreement, then it is generally the default at zero time the next day. If you renew your car insurance early, it will generally take effect after the expiration of the previous year's car insurance.

Therefore, if you buy car insurance for a new car, there is still a period of "window period", during which it is best not to drive on the road, otherwise after the insured accident, because the car insurance has not yet taken effect, the insurance company will not pay the claim!

Commercial auto insurance is not available with immediate effect.

Commercial auto insurance usually takes effect at 0:00 on the next day, or the car owner negotiates with the insurance company according to the expiration date of the car insurance to take effect, and the actual effective time marked on the policy shall prevail. In addition, as a type of insurance that is compulsory by the state, compulsory traffic insurance allows car owners to choose between "0:00 the next day" or "immediate effect" when applying for insurance, but this is only for vehicles with an insurance vacuum period.

1. Car damage insurance.

It is used to compensate for the loss of the vehicle itself due to natural disasters and accidents, and it is recommended for novices to buy;

2. Third-party liability insurance.

It is used to compensate the owner for the personal loss of the third party caused by the uproar;

3. Deductible insurance is not included.

It is used to transfer the responsibility that the owner needs to bear to the insurance company to reduce the loss of the owner;

4. Theft insurance, which is used to compensate for the damage caused by theft, robbery and robbery of vehicles;

5. Liability insurance for on-board personnel.

It is used to compensate the driver and passengers on the bus for losses caused by traffic accidents, and generally pays the insurance fee according to the seat;

6. Spontaneous combustion insurance, which is used to compensate for losses caused by the vehicle's electrical appliances, circuits, etc., and is applicable to vehicles with a high age.

Hello dear, car insurance does not have to be effective on the same day. Compulsory insurance: Compulsory insurance usually takes effect on the day of purchase.

Commercial insurance: The effective time of commercial auto insurance is based on the effective time agreed on the policy by the car owner at 0:00 on the day of purchase. If the vehicle is pre-renewed for the previous year's insurance, then the new car insurance policy will not take effect until the expiration of the previous year's policy, in order to avoid the expiration of the policy, the owner can choose to renew the policy early.