案情2005年1月16日,张某以12万元从旧机动车交易市场的程某处购买一辆奥迪A6轿车。张某在未办理过户登记手续的情况下,于2005年1月20日和中国财产保险股份有限公司某市分公司(以下简称某保险公司)达成了口头保险协议。双方约定的主要内容为:保险险别为车辆损失险;保险期限为1年;保险金额为25万元;保险费2088元。当日下午,张 The case January 16, 2005, Zhang to 120,000 yuan from the old motor vehicle market to buy an Audi A6 sedan. Zhang did not go through the registration formalities, on January 20, 2005 and China Property Insurance Co., Ltd. City Branch (hereinafter referred to as an insurance company) reached an oral insurance agreement. The main contents agreed upon by the two parties are as follows: the insurance coverage is vehicle loss insurance; the insurance period is 1 year; the insurance amount is 250,000 Yuan; and the insurance premium is 2,088 Yuan. That afternoon, Zhang