汽车消费中贷款购车的比例越来越大,若贷款购车合同约定销售商为购车人代为购买汽车保险但未约定购买时间的,销售商应当在交付车辆之前还是之后履行代购汽车保险的义务?该义务在性质上属于合同的给付义务还是附随义务?双方当事人在购车合同书中未对代购保险的时间和险种作出明确约定的,法院如何来认定? The proportion of loan car purchase in automobile consumption is increasing. If the loan car contract stipulates that the seller buys the automobile insurance on behalf of the car purchaser but does not stipulate the purchase time, should the seller fulfill the obligation of purchasing automobile insurance before or after delivering the car? Obligations in nature belong to the obligation to pay the contract or the accompanying obligations? Both parties in the purchase contract did not make a clear appointment of insurance time and insurance, the court how to identify?