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1、未事先告知投保人的迟延生效条款不生效(Thetermofentryintoforceofthepolicyisnoteffectivewithoutpriornoticetotheapplicant)ThetermofentryintoforceofthepolicyisnoteffectivewithoutpriornoticetotheapplicantAuthor:LiZhereleasetime:2010-09-0112:38:07[case]Theapplicantofatransportcompany
2、at15:32onJune18,2008toalife-insurancecompanyintotheinsurance,theinsurancecompanyatthetimeforthetransportationcompanyinvoiceandinsurancepolicy,butthepolicyis"printtheinsuranceperiodat0:00onJune19,2008untilJune18,2009whenonly24".Halfanhourafterthepolicyissuedin
3、June18,2008169,thetrafficaccidentcausedseveralmillionlosstothevictim,thetransportcompanyclaimsaftertheclaimtotheinsurancecompany,theinsurancecompanyto"contractoftheinsuranceperiodisat0:00onJune19,2008untilJune18,2009whenonly24,theaccidentoccurredwhenthecontra
4、ctisnotinoperation"refusedcompensation.Thetransportcompanytocourt.[divergence]Firstopinion:thefirstparagraphofarticleforty-fifthofthecontractlawstipulates:"thepartiesmaystipulatetheconditionsforthevalidityofthecontract.".Acontractwiththeconditionsofentryintof
5、orceshallcomeintoforceuponcompletionoftheterm."Theforty-sixtharticlestates:"thepartiesmaystipulatethetimelimitforthevalidityofthecontract.".Thecontractwiththetermofvalidityshallcomeintoeffectuponthetimelimit."Thetermsandconditionsstipulatedinthecontractofthis
6、casearenotestablished,andtheinsurancecompanyshallnotbeheldresponsibleforthefailureofthecontract.Thesecondopinion:theinsurancecompanyshouldbeartheresponsibility.Thereasonistheplaintiffat15:32onJune18,2008topaythepremium,theinsurancecompanyissuedinvoicesandthei
7、ssuanceofthepolicy,thisinsurancecontracthasbeenestablishedandeffectiveasagreedtodelaythevalidityperiod,causedbythe"insuranceblankperiod",contrarytothespiritofthelegislationofroadsafetylaw,thecontractshouldbeinvalid;(2)isaninsurancecontractthetypicalformatofth
8、econtract,theinsurancecompanytheinsurancecontractprovidesforadelayisequaltotheeffectivedateofaccidentliabilityclaimsshouldbeexemptedfromtheentryintoforceofthedelayperiod,accordingtothecon