fix 恒邦交强及时起保的 驾意险不用即时起保

tenant/insurance/quotation-hengbang/src/main/java/com/jzg/quotation/hengbang/crawler/component/HengBangCrawlerRequestComponent.java

@@ -340,7 +340,10 @@ public class HengBangCrawlerRequestComponent {
                             } else {
                                 calculationRequest.setBegintimeBi(utcTime);
                             }
-                            calculationRequest.setBegintimeAccident(utcTime);
+                            // 驾意险不支持即时起保：北京时间0点则直接复用，非0点则自动设为下一日0点
+                            calculationRequest.setBegintimeAccident(DateUtil.isBeijingMidnight(utcTime)
+                                    ? utcTime
+                                    : DateUtil.getNextDayMidnightUtc(utcTime));
                             return getCalculationResult(calculationRequest, headers);
                         } else {
                             return StrUtil.isNotBlank(detail) ? detail : responseBody;