Power of attorney for issuing an MTPL policy: sample

Kinds

A power of attorney is a document that is issued to another person and allows him to perform certain actions.

In legal practice, the following types of this official paper are distinguished:

general – gives the right to drive vehicles, rent and register them, dispose of them, buy or sell them;
special - allows you to act only in one area: representation in court;
one-time - awarded only for a specific action: to undergo a technical inspection.

ATTENTION! To issue an insurance policy, a special or one-time power of attorney must be presented.

What information is included in the power of attorney?

This official document should contain the following information:

date of issue of the document. Without it it is invalid;
first name, last name, patronymic name of the car owner and attorney;
the full address of the owner of the car and the person for whom the power of attorney is drawn up;
basic characteristics of the car;
a list of actions that an attorney can perform.

IMPORTANT! If the validity period of the power of attorney is not specified, it is considered to be issued for one year.

The document will be terminated:

the validity period has passed;
the owner of the car died, was declared incompetent, missing;
the company that owned the car ceased to exist.

This document can be legally canceled.

What operations can be performed

A power of attorney is a legal document.

The person to whom it is issued has the right to perform various legal actions:

sign various documents;
participate in the consideration of the insurance situation;
accept and transfer compensation payments;
draw up and terminate insurance agreements.

The attorney has the right to perform only those actions and operations that are clearly stated in the power of attorney. These actions must not be contrary to the law. They can also be agreed upon with the principal.

If the person is already included in the insurance

The person driving is required to present the following documents:

driver license;
car registration certificate;
valid insurance.

That is, it is not necessary to present the power of attorney itself if the driver is included in the insurance.

But there are situations when this document will be needed, despite the entry in the car insurance policy. Such cases include:

performing certain registration actions: registration, documentary changes;
passing a technical inspection;
representing the interests of the owner in the insurance company;
sell, buy, leave a car as collateral;
registration of compulsory motor liability insurance.

In these cases, the representative must have a notarized power of attorney.

Power of attorney to receive insurance compensation under compulsory motor liability insurance

The text contains the following information:

name of the act, date and place of execution; Full name of the authorized person, passport details; initials of the principal; subject of the transaction (description of the entrusted action); detailed description of the car; insurance policy number, name of the insurance company; amount of payment; a list of powers transferred to the representative of the car owner; list of title documents; consent of the attorney; signatures of the parties, notary visa.

Due to the fact that a power of attorney to represent interests in an insurance company is drawn up in free form, neither the legislator nor insurance companies have strict requirements for the form of such a power of attorney. In this regard, it is possible to use almost any form found on the Internet.

Design pitfalls

When taking out an insurance policy, pay attention to the following points:

companies and agents. Currently, there are many insurance companies and representatives who have entered into contracts with several companies at once. They offer discounts and bonuses. But such proposals are either insignificant or untrue;
cooperation experience. Insurance agents offer discounts to regular customers;
accident-free experience. For each safe year, the driver will receive up to a 5% discount when taking out a policy.

ATTENTION! The MTPL coefficient itself is set by the state.

An adult capable person who has a power of attorney from the owner can take out a compulsory motor liability insurance policy. At the same time, you don’t have to carry the power of attorney with you all the time if you have the basic package of documents for the car.

This type of power of attorney gives the representative the right to obtain a compulsory health insurance policy (CHI) or a car insurance policy (MTPL, CASCO). To obtain a medical policy, a one-time power of attorney is usually issued. OSAGO and CASCO policies are obtained primarily through a general power of attorney. As a general rule, a power of attorney must contain the date of execution and can be canceled by the principal at any time.

Actions of the MTPL policy owner

Submission of a mandatory package of documents: application for amendments indicating the reason; original MTPL insurance policy; passport of the person who entered into an agreement with the insurance company. If the application is submitted by an authorized representative of the policy owner, then the following is additionally required: a simple power of attorney (if there is no need to return funds from the insurance company) or a notarized power of attorney (if there is a need to return funds from the insurance company). The authorized representative is also required to provide a passport for identification.
Submission of additional documents depending on the reason for which the amendment is required: if Renaissance insurance is necessary, add a driver: license of the driver who needs to be added; when changing your driver's license: a new license; when changing government Vehicle numbers: vehicle registration certificate; when changing passport data - a document confirming these changes (for example, a marriage certificate); when changing the owner of the vehicle: technical passport of the vehicle and an agreement indicating the transfer of ownership rights (purchase and sale, donation, etc.); when adjusting the period of operation of the vehicle: vehicle registration certificate. Amendments will be made based on these documents.
When making changes to a paper policy, you must visit one of the Renaissance offices. To add or change data to the electronic policy, you need to log into your personal account on the company’s official website and enter/adjust the required information.

At the office, amendments will be drawn up by a company employee.

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Power of attorney for obtaining medical insurance

Citizens of the Russian Federation have the right to free medical care, which is provided on the basis of a compulsory medical insurance policy. You can obtain an insurance policy from insurance companies. A power of attorney authorizes an attorney to represent the insured before the health care organization. The document is drawn up if a person cannot personally contact the insurance company. A power of attorney to obtain a compulsory medical insurance policy is drawn up in simple written form with the following details:

Date of issue of the power of attorney.
Place of compilation (city).
Full name of the principal, passport details.
Full name of the authorized person and his passport details.
Powers delegated to the attorney (submitting documents to issue a policy, receiving a policy, signing documents).
An insurance company in which a trustee can represent the interests of the principal.
Signature of the principal.
Expiration date (optional).

A power of attorney to obtain an insurance policy does not require notarization. Without a power of attorney, a policy for a child can be obtained by his parents or guardians. Since registration of the policy takes place in two stages, it is advisable to issue two copies of the power of attorney or make a copy of the original. It is also advisable to provide the authorized representative with a photocopy of the passport and pension insurance certificate in order to speed up the procedure for reconciling data when issuing a temporary certificate.

When receiving an insurance policy, the authorized representative must present a passport or other identification document and a power of attorney. In addition to documents, it is necessary to submit a photograph of the principal and his consent to the processing of personal data.

Power of attorney to represent interests in an insurance company

But also a person representing his interests. It is possible to issue one of several options for such a power of attorney:

One-time, issued for one-time use in a specific case. Special, giving the authorized person the right to perform repeated actions in a specific area. For example, driving a car or renting it out. General, upon registration of which, the attorney can freely manage and dispose of the vehicle mentioned in it.

In most cases, it is more profitable to issue a general power of attorney.

However, this type of power of attorney requires notarization.

It is usually recommended by insurance companies. Its advantages: it is possible to stipulate for the attorney the right to both insure the car and receive compensation in the event of insured events; It is possible for an authorized person to obtain the right, legally, to entrust the car to other persons.

OSAGO policy by proxy

To obtain an MTPL policy, you must present the following documents:

Passport or military ID.
Power of attorney.
PTS, registration certificate, registration certificate or similar document.
Copies of the driver's licenses of everyone who will be included in the insurance. If the policy is issued without restrictions, no certificates are needed.
Previous MTPL policy on the basis of which discounts are made.

Not only the car owner can take out insurance. The policyholder can be the holder of a general or ordinary power of attorney. The insurance application is signed by a representative of the insurance company and the policyholder. Based on the application, an insurance policy is filled out. Pay attention to the date of issue of the power of attorney - if it is absent, the document has no legal force.

An individual on the premises of an insurance company can personally write a power of attorney for another person. The sample can be downloaded for free from this link.

The insurance company practices handling cases of road accidents by other entities on the basis of a power of attorney. An individual on the premises of an insurance company can personally write a document of trust for another person. Many insurance companies keep their own forms and samples of such documents in their archives. This resource page offers a sample power of attorney developed by our specialists. It can be downloaded for free via a direct link without restrictions and used in your own practice.

Let us consider the main features of a written act of expression of will. The name of the written sheet indicates that an individual who is unable to be personally present in a certain place entrusts this procedure to another person. The trust is recorded in writing in the presence of an agency employee, and in some cases, by a notary. The notarial form of execution of the trust deed is not critical. For example, Rosgosstrakh practices filling out its own forms and templates located at the organization’s stands.

Mandatory clauses of a power of attorney to an insurance company from an individual

Title, place and date of writing;
Passport details of both subjects;
Specification of the institution where the individual’s trust is granted;
List of powers allowed to be exercised;
Duration of rights;
Signature and decryption of the principal.

The content of the text must contain the listed powers to represent interests in a specific insurance company.
A person cannot perform actions that are not written down on paper. The discussed act of trust of the physical subject is filed in the materials of the case about the accident. There shouldn’t be any difficulties when you independently issue a trust document to an insurance company. The paper has the simplest paragraphs. Slowly filling out each item will create a document that has full legal force. Enjoy using it. On the territory of the Russian Federation, a power of attorney on behalf of the owner to drive a car by another person has been canceled, but it may be useful for carrying out some other actions with the vehicle. In what cases is there a need for this document?

The owner of a car does not always have the physical ability to independently take out a compulsory motor liability insurance policy or receive an insurance payment in the event of an insured event. In this case, he can transfer the corresponding powers to another person by issuing a power of attorney.

Additional nuances

When creating a power of attorney, you need to consider these points:

The document must include the date of creation.
The power of attorney may not specify its validity period. If this period is not specified, then by default the paper will be valid for a year.
It is possible to fix a condition that the power of attorney under certain circumstances can be transferred to a third party. If this condition is not present, then only the specified representative can use the document.
Facsimiles are not allowed. The document will only be valid if it is signed.
Sometimes the signature of the person who will act as a representative is indicated.

ATTENTION! It is not necessary to have the document certified by a notary.

What is a power of attorney and when might it be needed?

A power of attorney is an official document issued in writing by the owner of a vehicle to another (trusted) person, transferring to the latter the authority on behalf of the owner to perform certain actions with the car. Situations in which this document may be needed include:

purchasing a compulsory motor liability insurance policy;
changing data in the policy;
receiving compensation from the insurance company after an accident;
passing a technical inspection;
sale of a vehicle;
registration or deregistration of a car;
driving away from the penalty area;
travel by car outside the Russian Federation.

Note! In some cases, the power of attorney must be notarized (for example, in order for the policyholder or one of the drivers who is not the owner of the car to receive payments from the insurance company).

Types of powers of attorney for insurance under MTPL

A power of attorney for insurance under compulsory motor liability insurance can be issued in the following options:

one-time;
special;
general

A one-time power of attorney is intended to assign to another person the authority to perform a specific single action, therefore such a document is relevant exactly until the specified operation is fully implemented. For example, such a document can be issued by the owner of the car to the policyholder to purchase a policy. A sample one-time power of attorney form can be downloaded from our website using the link.

According to a special power of attorney, its recipient can perform the same action for a longer period specified in the document itself (maximum three years). If such a period is not indicated in the text, it is generally accepted that the document is issued for one year. For example, a car owner can authorize the policyholder to renew the contract with the company and purchase a policy every year for three years.

A general power of attorney is issued if the car owner plans to entrust another person to carry out a range of operations with his car: insure the object, leave it as collateral, sell it, etc. Such a document must be certified by a notary office. A general power of attorney, if necessary, may also provide for the right to delegate the implementation of certain actions to third parties. The form for filling out a general power of attorney can be downloaded from the link.

Power of attorney to represent interests in an insurance company

If the validity period of the power of attorney is not specified, then it is valid for a year from the date of its execution. It is mandatory to indicate the date of execution of the power of attorney.

Without this information, a power of attorney to represent interests in an insurance company is considered invalid.

The power of attorney must be issued no later than the date of filing the application for the insurance event. The scope of transferred powers is determined by the principal himself in the example of a power of attorney.

Along with the general powers to draw up documents for compensation for damage caused, the principal can indicate in the power of attorney the right of the representative to receive insurance compensation.

The most common case is to draw up a sample power of attorney to represent interests in an insurance company in connection with a traffic accident.

Under such a power of attorney, the principal can give the representative the following powers: submit documents, agree

Sample power of attorney for car insurance - how to get insurance without the owner

like "hull". This type of insurance implies a complex of risks for vehicles that can be insured. The list of risks depends on the wishes of the policyholder and the capabilities of the insurer.

The difference from OSAGO is that it is not liability that is insured, but the vehicle itself. The most common type of car insurance is compulsory motor liability insurance because it is mandatory for every car owner.

when operating a vehicle, entails the imposition of administrative liability in the form of a fine in the amount of 800 rubles (Art.

12.37, part 2 of the Code of Administrative Offenses (CAO) of the Russian Federation).

To understand the issue, it is necessary to specify the parties to the compulsory motor liability insurance agreement being drawn up: the owner of the vehicle is the citizen who, by right of ownership or other title document, owns this vehicle; Insurer - an insurance company that, for a certain commission, assumes responsibilities for motor vehicle liability insurance;

Procedure for registration and contents of the power of attorney

If the power of attorney does not require notarization, the car owner has the right to write it out in his own hand or prepare a printed version. To do this, you can compose the text yourself according to the rules of office work, using a ready-made form, or online, using the document designer.

A power of attorney that needs to be certified must be drawn up directly at a notary’s office and always in the presence of the principal. If necessary, the second party in whose name the power of attorney is drawn up can also be invited. Before going to the notary, you should prepare the required package of documents.

The list of documents required to issue a power of attorney includes:

driver's license and car owner's passport;
driver's license and passport of the person in whose name the document will be issued;
documents for the car (technical passport, certificate of registration with the traffic police).

If the principal or trustee is a legal entity, then for registration you will need the registration documents of the organization and the passport of the official representative authorized to represent the interests of his company. Powers of attorney issued on behalf of an individual and a legal entity differ in the set of data specified in the text. Organizations can use their own letterhead as the basis for the paper.

The completed power of attorney must contain the following information:

date of issue of the document and its validity period;
Full name, date of birth, address, passport details of the owner of the car (for legal entities - organization details);
Full name, date of birth, full address, passport details of the person in whose name the document is issued (for legal entities - details of the organization);
a detailed description of the car indicating the make, model, VIN number, year of manufacture, body and chassis numbers, license plate, details of the state registration certificate;
a list of operations that the authorized person is allowed to carry out;
visa of the principal (for legal entities - and seal of the organization);
visa and notary stamp (if necessary).