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2009年10月1日施行的新《保险法》规定了被保险人或受益人向保险人请求赔偿或给付保险金的诉讼时效,起算时间为被保险人或受益人自其知道或者应当知道保险事故发生之日起计算。但责任保险具有特殊性,它的诉讼时效的起算时间,目前存在着较多的争议,《保险法》也没作进一步的解释,有不完善之处。
The new Insurance Law, which came into force on October 1, 2009, provides for the limitation of liability of the insured or the beneficiary for compensation or insurance money from the insurer, starting from the time when the insured or beneficiary knows or ought to have known the insured accident Calculated from the date of occurrence. However, liability insurance has its own particularity. There are many controversies over the starting time of its limitation of action, and the Insurance Law has not been further explained and imperfections exist.