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《机动车交通事故责任强制保险条例》的出台,充分体现了以人为本,尊重人权的立法精神。但大部分保险公司的保险单上都会写明保单生效的时间是次日零时起生效。次日零时起生效的约定将导致出现一段保险空白期,在这段期间内,被保险车辆该如何行驶?同时,一旦发生交通事故,若该约定有效,不但不能充分保护投保人的合法权益,也不利于保护交强险相对人的合法权益,使投保人、事故受害人及保险人三者利益都不能兼顾,明显与交强险的立法宗旨相悖。笔者将从保险合同成立与生效时间出发,探讨零时起保制的效力问题。
The promulgation of the “Regulations on Compulsory Liability for Motor Vehicle Traffic Accident” fully embodies the legislative spirit of people-oriented and respect for human rights. However, the insurance policies of most insurance companies will state that the policy will take effect from the next day on the next day. The agreement effective from 0:00 on the next day will result in a blank period of insurance. During this period, how will the insured vehicle travel? In the meantime, if the agreement is effective, it will not only fully protect the legal rights of policyholders Is not conducive to the protection of the lawful rights and interests of the relatives who hand over the strong insurance so that the interests of the policyholders, accident victims and the insurers can not be taken into consideration at the same time, which obviously runs counter to the legislative purpose of paying strong insurance. The author will start from the establishment of the insurance contract and the effective time to explore the effect of zero-day protection from the issue.