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Surpass record of 48 small times does insurance company pay no attention to comp
From;    Author:Stand originally
Of Guo Mou cast protected car to give traffic accident to be procrastinated to enter maintenance center. Morrow, the working personnel that maintains a center dialed what this car joins the insurance company that protect to report a case to the security authorities phone, because report a case to the security authorities,the data was not accepted completely. After 3 days, the working personnel that maintains a center just is cast from what vehicle acquires over there Guo Mou protect a data to report a case to the security authorities to insurance company accept. Insurance company accepts 48 hours when exceed a regulation to reject compensate of Guo Mou manage with reporting a case to the security authorities. 63814 yuan when Guo Mou pays repair cost to you can get manage compensate after all?

Gist of details of a case: On August 19, 2003 23 when 25 minutes, of Guo Mou cast protect car to be in Guangzhou city Huang Bu highway member a section of a highway of village culture palace produces traffic accident, group of the Milky way of detachment of pointsman of Guangzhou city public security bureau issued " road transportation accident handles a book quickly " , cognizance appellee drives to hit side of the road not carefully, car advocate Guo Mou is in charge of an accident.

Car produces traffic postaccident, guo Mou informs maintenance the center hauls car maintain a center to repair to this. Liang Mou of maintenance center staff member confirms: Guo Mou's car produces traffic postaccident, maintain a center at be being procrastinated late on August 19, 2003 to enter; On August 20, he dials insurance company phone to report a case to the security authorities, but because report a case to the security authorities,the data was not accepted completely; On August 22, he obtains car to cast the telephone that insurance company dials namely after keeping a data to report a case to the security authorities from appellee place.

Ever since, car undertook repairing in maintenance center, repair cost 63814 yuan.

On October 21, 2003, insurance company collection the car that Guo Mou refers repairs cost and trailer cost bill.

On September 20, 2004, insurance company is made to Guo Mou " advice note of rejecting claims of motor-driven car insurance " , as a result of,say of Guo Mou report a case to the security authorities time (on August 22, 2003) exceed time of be or get out of danger (on August 19, 2003) 48 hours, basis " clauses of loss of car of domestic for private use " the 19th " when producing insurance accident, ... be in underwriter of the 48 inside the hour announcements after insurance accident happens, cause the share that the loss cannot decide or expands otherwise, the underwriter does not assume liability to pay compensation " regulation, do not belong to insurance liability to compensate for limits, to this insurance company cannot give compensate to pay.

The court thinks, the evidence that provides from Guo Mou includes witness testimony to look, guo Mou does not have the fact that has reporting a case to the security authorities effectively inside 48 hours after insurance accident happens can decide, but the reason that should be nodded and can't regard insurance company as refuse payment.
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