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首页 > 法律咨询 > 职员未对保险合同的免条款进责行说明，但合同已订立怎么办？
交通事故

职员未对保险合同的免条款进责行说明，但合同已订立怎么办？

1 解答 0 浏览 2011-02-17 16:46
问题补充
保险公司的职员未对保险合同的免条款进责行说明，保险合同已经订立，怎么办？
AI 法律总结
基于本案事实,智能提炼法律要点
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律师解答 (1)
匿名律师律师
2011-02-18 09:15
对格式条款的要求《合同法》第３９条规定：采用格式条款订立合同的，提供格式条款的一方应遵循公平原则确定当事人之间的权利和义务，并采取合理的方式提请对方注意免除或者限制其责任的条款，按照对方的要求，对该条款予以说明。保险公司未就保险合同中的免责条款给予口头或者书面的说明，按《保险法》第十七条规定，免责条款不生效。如要了解详细情况可以到问法网首页在线咨询，与律师一对一直接交流。
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欠我钱的那个人签了一个房产抵押合同但是只有签字和手印，没有房产证和购房合同，有法律效应吗？
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  142. /www/wwwroot/tp8.51wf.net/vendor/topthink/think-orm/src/db/concern/WhereQuery.php ( 19.37 KB )
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  144. /www/wwwroot/tp8.51wf.net/vendor/topthink/think-orm/src/db/concern/TableFieldInfo.php ( 2.63 KB )
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  146. /www/wwwroot/tp8.51wf.net/vendor/topthink/framework/src/think/log/driver/File.php ( 6.10 KB )
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  150. /www/wwwroot/tp8.51wf.net/vendor/topthink/think-helper/src/Collection.php ( 16.47 KB )
  151. /www/wwwroot/tp8.51wf.net/vendor/topthink/framework/src/think/Route.php ( 23.73 KB )
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  157. /www/wwwroot/tp8.51wf.net/app/index/route/app.php ( 33.14 KB )
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  162. /www/wwwroot/tp8.51wf.net/app/index/controller/Question.php ( 43.25 KB )
  163. /www/wwwroot/tp8.51wf.net/app/common/controller/Frontend.php ( 9.69 KB )
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  183. /www/wwwroot/tp8.51wf.net/app/common/library/LawyerAuth.php ( 11.92 KB )
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  1. CONNECT:[ UseTime:0.000678s ] mysql:host=127.0.0.1;port=3306;dbname=dev_51wf_net;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fa_route_redirect` [ RunTime:0.000751s ]
  3. SELECT * FROM `fa_route_redirect` WHERE `status` = 'normal' AND `is_regex` = 0 AND `old_url` = '/question/1040046.html' LIMIT 1 [ RunTime:0.000434s ]
  4. SELECT * FROM `fa_route_redirect` WHERE `status` = 'normal' AND `is_regex` = 1 ORDER BY `weigh` ASC [ RunTime:0.000264s ]
  5. SHOW FULL COLUMNS FROM `fa_city` [ RunTime:0.000711s ]
  6. SELECT * FROM `fa_city` WHERE `pinyin` <> '' AND `pinyin` IS NOT NULL ORDER BY `sort_order` LIMIT 20 [ RunTime:0.000533s ]
  7. SELECT * FROM `fa_city` WHERE `pinyin` <> '' AND `pinyin` IS NOT NULL ORDER BY `pinyin` [ RunTime:0.001060s ]
  8. SHOW FULL COLUMNS FROM `fa_province` [ RunTime:0.000459s ]
  9. SELECT * FROM `fa_province` WHERE `natual_id` <> '' AND `natual_id` IS NOT NULL ORDER BY `sort_order` LIMIT 20 [ RunTime:0.000410s ]
  10. CONNECT:[ UseTime:0.109552s ] mysql:host=43.136.182.166;port=3306;dbname=ai_brain;charset=utf8mb4
  11. SHOW FULL COLUMNS FROM `fa_ai_usage` [ RunTime:0.073790s ]
  12. SELECT * FROM `fa_ai_usage` WHERE ( `user_id` = 0 AND `client_ip` = '216.73.216.109' ) AND `usage_date` = '2026-11-02' LIMIT 1 [ RunTime:0.073360s ]
  13. SHOW FULL COLUMNS FROM `fa_question` [ RunTime:0.001011s ]
  14. SELECT * FROM `fa_question` WHERE `question_id` = '1040046' AND `audit_status` = 1 AND `deletetime` IS NULL LIMIT 1 [ RunTime:0.000496s ]
  15. SHOW FULL COLUMNS FROM `fa_qa_category` [ RunTime:0.001157s ]
  16. SELECT `text`,`category_id` FROM `fa_qa_category` WHERE `category_id` IN ('10001','10011') [ RunTime:0.000353s ]
  17. SELECT * FROM `fa_province` WHERE `province_id` = '1' LIMIT 1 [ RunTime:0.000341s ]
  18. SELECT * FROM `fa_city` WHERE `city_id` = '1' LIMIT 1 [ RunTime:0.000227s ]
  19. SHOW FULL COLUMNS FROM `fa_answer` [ RunTime:0.000508s ]
  20. SELECT `a`.`answer_id`,`a`.`content`,`a`.`creator_id`,`a`.`is_best`,`a`.`is_top`,`a`.`good_rate`,`a`.`is_ai_answer`,`a`.`ai_confidence`,`a`.`claimed_by`,`a`.`createtime`,l.name as nickname,`l`.`avatar`,`l`.`username` FROM `fa_answer` `a` LEFT JOIN `fa_lawyer` `l` ON `a`.`creator_id`=`l`.`id` WHERE `a`.`question_id` = '1040046' AND `a`.`audit_status` = '1' AND `a`.`deletetime` IS NULL ORDER BY `a`.`is_top` DESC,`a`.`is_best` DESC,`a`.`good_rate` DESC,`a`.`createtime` ASC [ RunTime:0.000510s ]
  21. SELECT `question_id`,`title`,`answer_count`,`view_count`,`create_time` FROM `fa_question` WHERE `audit_status` = 1 AND `deletetime` IS NULL AND `question_id` <> '1040046' AND `second_category_id` = '10011' ORDER BY `create_time` DESC LIMIT 8 [ RunTime:0.000596s ]
  22. SHOW FULL COLUMNS FROM `fa_lawyer_expertise` [ RunTime:0.000423s ]
  23. SELECT `l`.`id`,`l`.`name`,`l`.`avatar`,`l`.`slogan`,`l`.`answer_count`,`l`.`follower_count` FROM `fa_lawyer_expertise` `e` INNER JOIN `fa_lawyer` `l` ON `l`.`id`=`e`.`lawyer_id` WHERE `e`.`category_id` = '10011' AND `l`.`audit_status` = '1' AND `l`.`status` = 'normal' AND `l`.`deletetime` IS NULL ORDER BY `l`.`answer_count` DESC LIMIT 6 [ RunTime:0.000365s ]
  24. SHOW FULL COLUMNS FROM `fa_lawyer` [ RunTime:0.000711s ]
  25. SELECT `id`,`username`,name as nickname,`avatar`,`slogan`,`answer_count` FROM `fa_lawyer` WHERE `audit_status` = 1 AND `status` = 'normal' AND `deletetime` IS NULL AND `answer_count` > 0 ORDER BY `answer_count` DESC LIMIT 6 [ RunTime:0.002908s ]
  26. SHOW FULL COLUMNS FROM `fa_article` [ RunTime:0.000674s ]
  27. SELECT `a`.`id`,`a`.`title`,`a`.`thumbnail`,`a`.`view_count`,c.text as category_name FROM `fa_article` `a` LEFT JOIN `fa_qa_category` `c` ON `a`.`category_id`=`c`.`category_id` WHERE `a`.`audit_status` = '1' AND `a`.`deletetime` IS NULL ORDER BY CASE WHEN a.category_id = 10011 THEN 0 ELSE 1 END,`a`.`view_count` DESC LIMIT 4 [ RunTime:0.035962s ]
  28. SELECT `content`,`is_best`,`createtime`,`lawyer_id`,`good_rate` FROM `fa_answer` WHERE `question_id` = '1040046' AND `audit_status` = 1 AND `deletetime` IS NULL ORDER BY `is_best` DESC,`is_top` DESC,`good_rate` DESC,`createtime` ASC LIMIT 10 [ RunTime:0.000696s ]
0.412263s