Power of attorney for car insurance OSAGO sample

How to draw up a power of attorney for insurance under compulsory motor liability insurance: sample and validity period

Within the limits of the law, any capable citizen over the age of 18 can buy a compulsory motor liability insurance policy. It should be taken into account that if the policyholder is not the owner of the vehicle, then to draw up the contract, a power of attorney is requested for the insurance company under compulsory motor liability insurance. The authorized representative will also need it for any contact with the insurer’s office. In this article we will look at how to buy compulsory motor liability insurance under a power of attorney, what data should be contained in the document and for how long it can be issued.

Purpose of the power of attorney for registration of compulsory motor liability insurance

Many motorists are interested in why insurers ask for a power of attorney and why they cannot purchase a form without it. In fact, this requirement is enshrined in law. It is thanks to the power of attorney that the insurer can be sure that the applying motorist legally represents the interests of the owner.

The purpose of a power of attorney is to perform any actions on behalf of the owner of the vehicle legally.

Requirements for an attorney

To issue an MTPL policy, the authorized person must present documents to the insurance company specialist. Be prepared to prepare:

• passport to confirm identity;
• power of attorney (original);
• vehicle passport or state registration certificate.

If an employee of the company is involved in insurance issues, then the company’s statutory documents must additionally be presented.

Important! According to the law, a power of attorney can only be issued to a legally capable person over the age of 18. For registration, the trusted citizen must provide the original passport.

As practice shows, in the insurance industry there are no clear requirements on how a power of attorney should be drawn up. That is why some insurers are ready to accept a regular handwritten document, while others are exclusively notarized. Unfortunately, the requirements are legal and the policyholder can only fulfill them or contact the office of another insurance company.

What information should be included

It doesn’t matter what kind of power of attorney is requested for an insurance company under compulsory motor liability insurance (handwritten or notarized), it must contain a number of mandatory requirements.

The power of attorney to receive the policy must contain:

• personal data of the car owner: full name, date of birth, passport details and registration address;
• personal information of the authorized representative (similar);
• characteristics of the vehicle: make and model, state registration plate, PTS data and identification number;
• powers of the trustee, for example: the right to issue compulsory motor liability insurance, make changes, receive payment in the event of an accident, etc.;
• date and place of issue;
• validity period (usually 3 years);
• notary's signature and seal.

Important! If the validity period is not specified during registration, then it is considered that the power of attorney was issued for a period of 1 year.

Types of power of attorney for insurance

It is necessary to take into account that the power of attorney to issue an MTPL policy can be one-time or special. As for the one-time one, in this case the name speaks for itself. This document is required solely to perform one action, namely the purchase of compulsory motor liability insurance.

If a power of attorney is needed for several actions and for a long period, then in this case a special one is drawn up, which specifies all the rights of the trustee and the validity period of the document.

It is important to take into account that the special owner of the car can revoke the special license at any time, before the expiration date, if he loses confidence in his representative or he violates his obligations.

Validity periods

As for the validity period for an individual, it directly depends on the type of document.

Registration procedure

To formalize a power of attorney, to purchase compulsory motor liability insurance, you must contact a notary. In this case, the document is drawn up exclusively in the presence of the car owner, an authorized representative and a notary.

Before drawing up a power of attorney, the notary is obliged not only to check the documents, but also to make sure that both parties are legally capable. If everything meets generally accepted requirements, then the text of the document is compiled. As a rule, each notary has special templates.

After the text has been agreed upon, a document is prepared on a special form with watermarks and certified with a signature and seal. It is important to take into account that the document is always drawn up in two copies, which have equal legal force. One copy will be kept by the notary, the second will be handed over to the owner of the car. In addition to the paper copy, the number is entered in a special notary book and the unified state register.

Required documents

To issue a power of attorney for car insurance, you need to prepare a small package of documents.

Be prepared to provide:

• passport of the principal, in this case the one in whose name the vehicle is registered;
• passport of the representative who receives the license for the car;
• document confirming ownership of the car: PTS or STS.

All documents are accepted only in originals. It should be borne in mind that the notary does not have the right to demand other documents.

Important! A notary may refuse to issue a power of attorney on a legal basis if he has a suspicion that the principal or authorized person is drawing up a power of attorney unconsciously or is under the influence of alcohol or other intoxication.

Writing Instructions

Any document must be drawn up correctly. If the company agrees to accept a power of attorney in handwritten form, then we will consider in more detail how to draw it up correctly and what should be indicated.

You will need:

1. Take a blank sheet of paper, A4 size, and write “Power of Attorney” in the top center.
2. Just below in the upper right corner you must indicate the city in which registration takes place and the date.
3. Next will be the text of the document itself. In this section you must indicate all the details of the principal, authorized person and powers.
4. Finally, you must indicate for what period the document was issued.
5. Submit the signature and transcript of the principal and authorized representative.

A power of attorney drawn up by hand is accepted in most cases:

• to make changes to the contract form;
• in order to receive payment in the event of an insured event;
• to represent interests in an insurance company;

To make changes to the policy

If a power of attorney is needed only to make changes, then in the powers section you should write down: the authorized person, during the validity period of agreement No. “Specify number,” can make changes, namely:

• register a driver or do compulsory motor liability insurance without restrictions;
• extend the period of use;
• change data: full name of the owner, PTS data or state registration plate.

To receive insurance payment

In the event that the owner cannot personally contact the insurer’s office in order to receive payment, a document is prepared indicating: an authorized person, during the term of the contract, can contact the insurance company’s office in order to provide documents on the accident and receive compensation payment.

To represent interests in an insurance company

Such a power of attorney is drawn up so that the trusted person can contact the insurer’s office to resolve any issues. To do this, all powers should be clearly stated in the body of the document. Eg:

• driver registration;
• extension of validity period;
• termination.

Instructions for concluding a contract

When preparing a document yourself, you should follow a few simple rules:

1. Download the power of attorney template for MTPL.
2. Fill out a power of attorney only if you have the passports of the principal and the authorized person.
3. After drawing up, give the document to the authorized person confirming ownership of the car.

If you have a document for the car and a power of attorney, you can contact the insurer’s office to purchase a contract form or make changes to the MTPL policy.

Certification methods

When drawing up a contract, insurers ask to present a certified power of attorney form to the office of the insurance company. In this case, as already mentioned, you can certify the document:

• personally, by signing the document on the part of the principal;
• notarized.

Often, companies only require a notarized power of attorney to enter into an MTPL agreement. This requirement can be explained very simply; insurers are trying to avoid the fact of fraud and issue or extend the contract “cleanly”, from a legal point of view.

To summarize, we can conclude that the car owner is obliged to prepare a power of attorney if a trusted person will deal with insurance issues or receiving payments. In this case, the power of attorney can be drawn up either in person or by a notary. The main thing is to comply with all requirements when drawing up and clearly state all the rights of the trustee.

If you have previously drawn up a power of attorney on your own to receive payment of insurance compensation or register compulsory motor liability insurance, then we suggest sharing your experience and telling other readers of our portal what information you provided and how the company accepted the document. To do this, you just need to leave a comment after reading the entire article.

Additionally, we invite all drivers to take advantage of the help of an experienced expert on our portal, who will answer any question in the insurance industry.

Read on to find out whether you need a power of attorney under compulsory motor liability insurance without restrictions.

Power of attorney from a legal entity to issue an MTPL policy

Who should apply for compulsory motor liability insurance?

Art.
4 Federal Law No. 40 of April 25, 2002 “On compulsory insurance of civil liability of vehicle owners” contains an unambiguous indication of the owner’s obligation to insure himself. But who is considered the owner of the vehicle? Only the owner? The answer is contained in Art. 1 of the same law. Taking into account the standards set out in it, the owner of the vehicle can be considered:

• owner;
• persons who own a vehicle with the rights of operational management or economic management;
• vehicle lessees;
• persons to whom the vehicle was transferred based on the order of the relevant authorities;
• persons who own a vehicle on other legal grounds.

It is these people who can purchase car insurance or transfer the right to perform such an action to other persons by issuing a power of attorney for OSAGO car insurance.

What is it for?

If the car is registered to a legal entity, then who should perform all significant actions with it, including taking out insurance?

The director, manager or other governing body specified in the charter and recorded in the Unified State Register of Legal Entities acts in the interests of the legal entity without additional documents. But there are several dozen or even hundreds of cars in a company, and it is inappropriate for the manager to document their use. This is where the need arises to assign similar functions to an employee. Within the framework of labor relations, they are usually fixed by order or prescribed in a job description or similar LNA. But for third-party organizations such internal documents are “not an argument.”

To obtain a policy from an insurance company, a power of attorney is required. It’s not difficult to formalize it, but owners often have the following questions:

1. Do you need a power of attorney if you are registered with OSAGO? It is necessary because the fact that the driver is included in the MTPL policy allows the driver to drive the car, but not to dispose of it, including to perform legal actions.
2. Do you need a power of attorney if the compulsory motor liability insurance is without restrictions? Taking out an “unlimited” policy is a common practice in large transport companies. Such insurance relieves the organization of the need to issue one-time documents allowing each driver to drive a car if several employees take turns driving the same vehicle. They do not need any other documents (of course, with the exception of a driver’s license of the category corresponding to the class of the car). But, as in a situation with a limited policy, the driver controls, but does not control the car. That is, in order to obtain compulsory motor liability insurance, you will still have to draw up a trust document.

Who to appoint as a trustee

Generally speaking, a “trust” can be made for any adult, capable person, who is not necessarily an employee of the company. But most often, such powers are given to employees of the organization who directly service the car - the head of the transport department, mechanic, driver, etc.

To issue a power of attorney for insurance under compulsory motor liability insurance, the following information will be required from the attorney:

• Full Name;
• Date of Birth;
• registration address;
• series and passport number.

Information about the principal (owner of the vehicle) and the car itself will also be required.

Design features

Depending on the list of powers that they want to transfer, the following types of powers of attorney are distinguished:

• one-time Issued to perform one specific action, for example, to make changes to the policy or receive compensation;
• special. Used to perform the actions specified in it for a certain period. Using it, for example, you can get a ready-made policy;
• general Allows the owner to have full control of the car.

Regardless of the type of power of attorney issued by a legal entity, the following information must be included in it:

• date and place of execution of the document;
• name, INN, OGRN of the organization that owns the car;
• last name, first name, patronymic of the representative of the organization issuing the document (director);
• details of the document confirming the powers of the principal (most often the charter);
• last name, first name, patronymic of the attorney and his passport details;
• information about the car: type, make, model, year of manufacture, WIN, state license. number, details of the vehicle registration certificate;
• actions, the right to carry out which is transferred to the attorney;
• validity. If it is not specified, then the paper is valid for 3 years - this period is indicated as the maximum in the Civil Code of the Russian Federation;
• signatures of the attorney and principal;
• organization seal (if available).

The document is drawn up on company letterhead. It can be written by hand or typed on a computer.

Sample power of attorney for registration of compulsory motor liability insurance

Do I need to certify?

Most insurance companies, when working with legal entities, are quite satisfied with a simple written form of the document, so there is no need to notarize a power of attorney for issuing compulsory motor liability insurance. If it is necessary to give greater significance to the paper or it is planned to transfer to the attorney all powers to dispose of the car, including the right to sell, then, of course, it is necessary to visit a notary and certify the document.

A notarized power of attorney is also needed when receiving insurance compensation by a non-owner, if it is made in cash and not by transfer to a bank account.

We take into account all the nuances: sample power of attorney for registration of compulsory motor liability insurance

It is very important for motorists to understand the degree of responsibility that falls on their shoulders the moment they get behind the wheel of a vehicle. In order to reduce the level of liability, you can insure it using a compulsory motor insurance policy. But sometimes the car owner does not have time for this paperwork due to various reasons.

In such situations, any trusted person can take out insurance. But for this it is necessary to ensure that a number of conditions are met. Which ones we will consider next.

One of the most important documents in this case is a power of attorney from the owner of the vehicle to issue compulsory motor liability insurance. What is she? This is a document that describes the powers transferred from the principal to the authorized person, which he can exercise on his behalf. The power of attorney must be signed by the principal and certified by a notary.

Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

If you want to find out how to solve your particular legal problem, just call, it’s fast and free!

Purpose of the power of attorney for registration of compulsory motor liability insurance

The expediency of drawing up this document is determined by the owner of the vehicle, since the responsibility of the driver that arises in the event of a traffic accident will be to some extent on him.

This may be a relative or other authorized person who is not related to the owner by family ties.

The trustee must satisfy certain requirements; just anyone who wants to do so will not be able to do so. In addition, it is also important to know exactly what the requirements of insurance companies are.

Some of them do not require notarization of the document, but others necessarily say that in order to obtain insurance or resolve other issues, it is important either the personal presence of the owner or a notarized power of attorney for a third party to perform certain functions.

Requirements for an attorney

In order to obtain car insurance, the authorized person must have the following powers under a power of attorney to the insurance company from the owner, and also provide a list of documents:

• passport or identity card of both the policyholder and the authorized representative;
• registration data, if any (if the principal is a company or enterprise);
• power of attorney to represent the interests of the principal in the relevant authorities;
• documents for the car.

In each individual case, insurance companies may have their own requirements for issuing an insurance policy by proxy. At the same moment, one of the companies is ready to sell insurance under a written power of attorney, and the second is ready to help only if there is a notarized document that contains these powers.

As for the person for whom the power of attorney is issued, the main requirement for him is the age of majority, that is, at the time of signing the document, the authorized person must be at least 18 years old, he must have a passport.

What information should be included?

In order to better understand what a power of attorney is, we will look at the basic data contained in the document in order for it to have legal force.

1. The details of the parties between whom the transfer of authority is carried out must be indicated. If this is an individual, then passport data must be indicated; if it is a legal entity, then registration data must be entered.
2. Details of the car for which the insurance policy will be issued.
3. The name of the organization that will have to participate in issuing the insurance policy is indicated.
4. The following is a list of all powers that will be transferred by the principal and their detailed description.
5. It is necessary to indicate the validity period of the power of attorney; if such information is not found, then by default the validity period of the document is determined as one calendar year.
6. The paper is certified by signatures and seals.
7. If necessary, the document is notarized.

You can design it in any way convenient for you; this can be done by hand or using special computer programs. The design style must be strictly business-like, all data must be indicated in full.

A power of attorney to issue an MTPL policy, as for any other purposes, is issued for a certain period. There are several types of this document. So, it could be:

• one-time , that is, solely in order to once represent the interests of the principal in the insurance company;
• A general document is a document with a wider list of powers transferred to a trusted person, this can be a relative or a third party whom you completely trust as yourself.

Writing Instructions

The instructions for writing a power of attorney will have the following sequence of actions:

1. The document is drawn up on an A4 sheet, with the name of the document POWER OF attorney written at the top center.
2. Below in the right corner the date of the document is indicated, in the left corner the city is indicated, for example, Moscow.
3. Further, the actual text of the document “This power of attorney, full name, passport data, hereinafter referred to as the Principal, authorizes the full name, passport data of the authorized person, to represent the interests of the insurance company (name of organization) of the vehicle (car data).
4. The following is a description of the full list of powers.
5. The validity period of the document is indicated.
6. Signature of the authorized representative.
7. Stamps.
8. The name of the principal and his signature are indicated.

Before purchasing insurance, you can pre-calculate its cost online. This can be done simply, the process will take you no more than 5 minutes.

A power of attorney can be issued for the following cases:

• making changes to the insurance policy;
• receiving insurance payment in the event of an insured event;
• representing the interests of the principal on other issues;
• conclusion of an insurance contract.

To make changes to the policy

Such a document must contain the first three points of general instructions, then the list of powers indicates that the authorized person is given the authority to make changes to the policy when contacting the insurance company.

To receive insurance payment

To represent interests in an insurance company

In order for the authorized person to act on the basis of a special document, he needs to provide it. The principal in paragraph 4 of the instructions for drawing up a power of attorney for representation of interests indicates powers, such as representing the interests of the owner of the vehicle in an insurance company. You can describe exactly which functions are included in this category.

Read about drawing up a power of attorney to represent interests in an insurance company from a legal entity here, and from an individual here.

Instructions for concluding a contract

If the principal instructs the authorized person to conclude an agreement with the insurance company, then the power of attorney must indicate the fact that the authorized person has all the grounds for this. In addition to the power of attorney, you will need to provide the necessary list of documents to issue the policy.

Ready option

There is no special form for a power of attorney for registration of compulsory motor liability insurance , but if you wish, you can use an example of a design or a ready-made version. You will just need to enter your data into the document and have it certified.

For a clear understanding of the design principle of this document, you can familiarize yourself with the following version of the document.

Sample document

Below we offer a sample of filling out a power of attorney for issuing an MTPL policy and receiving insurance payments:

By this power of attorney Ivan Ivanovich Ivanov, born on December 17, 1987, passport (series and number) issued (by whom and when the document was issued), registered at the address (we indicate the residential address), authorizes on his behalf the Principal Petrov Petr Petrovich, born on May 22, 1954 , passport (series and number), issued (place and date of receipt of the passport), registered at the address (specify the coordinates) represent interests in the insurance company NAME OF THE ORGANIZATION, vehicle brand (car brand), registration number (...), VIN, year of manufacture ..., body color ..., owned by (full name of the owner).

In order for the authorized person to perform the above actions on behalf of the principal, he is given the following powers:

(here we indicate the entire list of powers that you represent to the trustee).

The above powers cannot be transferred to third parties.

This document is valid until 04/15/2020 inclusive.

Signature of the authorized representative…………

Ivanov Ivan Ivanovich signature.

Certification methods

Insurance companies often use this technique, notarization of a power of attorney, in order to increase the level of trust in the client.

Thus, the client understands that just like that, if a person comes without the powers delegated to him, he will not be able to do anything from a legal point of view.

The level of employment of the principal is largely the determining factor in determining the validity period of the document and the list of functions transferred to the authorized person.

Validity

At the end of the document, it is necessary to indicate the period of validity of the power of attorney. If this is not specified, then the countdown will begin from the moment the document is signed for a period of one year. It is advisable to do this for several years only if you are sure that the person you trust will not take any actions contrary to your interests.

You can issue a power of attorney for any period, but taking into account the fact that insurance is purchased once a year, it would be more correct to draw it up for at least three years. But it is up to the owner of the vehicle to decide this issue and determine the period, since the level of trust in people may vary.

Conclusion

A power of attorney for issuing a compulsory motor liability insurance policy or for transferring powers to a person for cooperation with the latter is drawn up in free form. However, there are certain requirements for its design. There is a list of details that must be present in the document.

If the paper is filled out incorrectly, it loses its legal force. From the point of view of correct execution, a notarized document is already valid and can be used to carry out transactions.

If you do not draw up such documents very often, then in order to draw up everything according to the rules and in accordance with the requirements of the law, it is advisable to seek help from specialists who know all the intricacies and nuances of the issues of drawing up and certifying documents.

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

Asking a lawyer is faster than reading!

Ask a question right now and get a free consultation. We will respond within 5 minutes and solve even the most difficult situation.

It is not always possible for the car owner to personally attend the insurance procedure. In what cases is a power of attorney required so that another person can insure a vehicle (vehicle) and how it should be executed will be discussed in this article. Here you will also find a sample power of attorney for insurance from a legal entity.

Types of car insurance

Currently, there are several types of car insurance in the Russian Federation:

1. OSAGO is compulsory motor third party liability insurance. The car owner's liability to other road users for possible damage to property or health in a road traffic accident (RTA) is insured.
2. CASCO - vehicle insurance. It is worth considering that the word is not an abbreviation, but is translated from Dutch. 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. Lack of insurance when operating a vehicle entails the imposition of administrative liability in the form of a fine in the amount of 800 rubles ( Article 12.37, Part 2 of the Code of Administrative Offenses (CAO) of the Russian Federation ).

Who can be a car insurer?

To understand the issue, it is necessary to specify the parties to the MTPL agreement being drawn up :

• vehicle owner - a 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;
• policyholder - a person who has entered into an insurance contract with the insurer.

According to the rules of compulsory motor liability insurance, the policyholder can be either the car owner or another person . Moreover, this person may have a general power of attorney to dispose of the car, or may simply be the driver driving it. A citizen who has received the status of an insured subsequently has the right to make adjustments to the existing insurance - to add or remove drivers from the list of persons allowed to drive. Of course, not independently, but through the insurer. This applies to situations where the owner of the vehicle is an individual.

If the car owner is a legal entity, then the procedure for obtaining MTPL insurance is slightly different. In order for a citizen to be able to issue an insurance contract for a vehicle owned by a legal entity. person, he needs to have a power of attorney from the specified owner.

Power of attorney for insurance from a legal entity

A power of attorney for insurance from a legal entity can be of several types :

• one-time , issued to perform any single action with the specified vehicle. For example, to conclude an insurance contract for compulsory motor liability insurance;
• special , issued to perform any operation within a specified time period. For example, to conclude an MTPL agreement within 3 years. This is the maximum period; if the period is not specified, then its duration is equal to 1 year;
• a general power of attorney gives the right to the authorized person to perform any legal actions with the specified vehicle: sale, lease, execution of various contracts, including compulsory motor liability insurance. This type of power of attorney must be notarized.

The document must contain the following information:

• date of registration;
• title "Power of Attorney";
• information about the principal:
  • full name of the legal entity faces;
  • organization details;
• information about the authorized person:
  • FULL NAME.;
  • passport details;
  • address of permanent or temporary registration;
• information about the object of the power of attorney - the car:
  • brand;
  • model;
  • VIN;
  • year of issue;
  • state license plate;
  • name and details of the title document for this vehicle;
• action (list of actions) that an authorized person can perform with the specified car;
• the period during which the authorized person can perform the specified actions;
• signature of the principal, i.e. the head of an organization or a citizen authorized by a legal entity to issue a power of attorney;
• legal seal person, director's signature.

If this is not a general power of attorney, then this document does not need to be certified by a notary. A sample of a simple power of attorney is presented below.

Power of attorney from an individual

To draw up an MTPL agreement, the legislation does not provide for the obligation to have a power of attorney from the owner of the vehicle, who is an individual. In Art. 15, Part 2 of the Federal Law (FZ) of the Russian Federation No. 40-FZ states that the agreement is concluded in relation to the owner of the vehicle and persons (the number of which may be limited or unlimited) allowed to drive this vehicle. In Art. 1 of the said Federal Law specifies that the owner of the vehicle is:

• car owner;
• a person who legally owns a vehicle:
  • on a leasehold basis;
  • with the right to drive a vehicle on the basis of an issued power of attorney;
  • on other grounds.

Thus, any person from the above can become the policyholder. In Art. 15, part 3 indicates what documents the policyholder must provide. A power of attorney for drawing up an insurance contract is not included in this list.

If the owner of the vehicle wants him to be listed as the policyholder in the insurance, but cannot be present during the registration procedure, then in this situation a notarized power of attorney from the owner is required for any citizen chosen as a proxy. In this case, the trustee acts as the legal representative of his principal, and the same person will be indicated in the “Owner” and “Insured” columns, namely the owner of the vehicle.

Sample power of attorney for car insurance

Do you need a power of attorney if you are included in the insurance?

Let's look at several options for the situation of drawing up a compulsory motor liability insurance agreement:

1. the owner and the policyholder are individuals , the policyholder is included in the insurance as a person entrusted with the management of the vehicle. A power of attorney for registration of compulsory motor liability insurance is not required;
2. the owner is a legal entity, the policyholder is an individual (included in the insurance). This option is possible if the legal entity. the person provided the specified individual with a vehicle on lease. In this situation, from the legal a person may need a power of attorney;
3. owner - legal entity person, policyholder - official representative of the legal entity. persons , the vehicle is on the balance sheet of the organization, insurance in this case should be “without restrictions”. Drawing up a compulsory motor liability insurance agreement assumes that the legal entity. a person entrusts to represent his interests in compulsory motor liability insurance to a specific individual. face. In this case, a power of attorney is required (its description is presented in the article earlier). In this situation, both in the “Vehicle Owner” column and in the “Insured” column, a legal entity that is the owner of the vehicle will be entered.

Power of attorney for car insurance in 2019

Representing the interests of the applicant in various authorities is a common occurrence. Obtaining an MTPL policy is no exception. A power of attorney for car insurance is submitted if not the interested person himself, but his representative, appears. It is compiled in accordance with certain requirements and must contain certain data.

When is a power of attorney required?

Submission of such a document to the insurance company will be required in any case when the owner of the car cannot appear for registration. Reasons why this situation occurs:

• staying in a hospital for long-term treatment or rehabilitation;
• stay in places of deprivation of liberty;
• traveling abroad;
• reluctance to independently deal with such issues.

The power of attorney for the insurance company under compulsory motor liability insurance does not contain justification for the reasons for the owner’s failure to appear, since this information is not valuable for the company.

What types are there?

Depending on the scope of rights and powers of the representative, there are several types of documents. A power of attorney to conclude an agreement under MTPL must be drawn up in the correct form and contain a list of actions that a person is allowed to carry out on behalf of the owner of the car. Regardless of the type, the document must contain certain information:

• about the principal;
• about the representative;
• about the vehicle;
• date of issue (without indicating this point, the document is considered invalid);
• a list of actions that a representative can implement.

The validity period is indicated depending on the need or may not be included in the text of the document. In the latter case, the power of attorney is considered to be valid for one year.

From the very name of the document it is clear that it is intended for a one-time application to the insurance company on behalf of the principal. The text must necessarily indicate this, as well as the operations that the representative can perform. If on the day of the application you have to submit documents and draw up an application, then this is exactly what is provided for in the power of attorney.

Special

This type of document allows you to act on behalf of the owner only in one case - to go through the process of registration of compulsory motor liability insurance. If for some reason the applicant files a claim in court against the insurance company, then the representative will need another special power of attorney to participate in court on behalf of the interested party.

General

Such a power of attorney to issue an MTPL policy is usually not issued. It implies an almost full range of representative rights and is not needed when contacting an insurance company. Its difference is that registration with a notary will cost more.

Required documents in 2019

There are two forms of power of attorney:

• handwritten;
• notary certified.

In practice, insurance companies prefer to accept the second type of power of attorney in order to avoid troubles in the future.

Free legal consultation by phone:

Moscow, Moscow region. +7 (499) 322-27-86

St. Petersburg, Leningrad region. +7 (812) 407-29-43

Calls are free. We work seven days a week!

A sample handwritten power of attorney for submission to an insurance company can be downloaded for review. This will help avoid design problems and eliminate errors.

To draw up an auto liability insurance contract from the car owner, it is better to have a notarized version on hand. To obtain it you will need certain documents. The set differs depending on who is the owner of the vehicle.

For individuals

If the owner of the car is a private person, then to issue a power of attorney from a notary you will need:

• passports of the principal and representative;
• documents for the car (PTS, diagnostic card).

Data about participants and the car is entered solely on the basis of documents. It is advisable to study a sample power of attorney from an individual to an insurance company in advance.

For legal entities

If the owner of the vehicle is an organization, then a slightly different set of documents will be required:

• constituent documents (Charter, extract from the Unified State Register of Legal Entities);
• representative's passport;
• documents for the vehicle.

The data in the power of attorney to the insurance company from the legal entity, a sample of which can be downloaded for review, is entered strictly from the submitted documents.

If the person is already included in the insurance

Many people are interested in the question of whether a power of attorney is needed for a car if the applicant is included in the insurance. To apply for compulsory motor liability insurance, you will need it even in this situation. In addition, when contacting the insurance company, you must have a power of attorney in notarized form.

Is it possible to issue compulsory motor liability insurance under a power of attorney in 2019? It is possible to do this, but it is important to fill out the document correctly and comply with all legal requirements. The representative must act exclusively in the interests of the owner of the car and within the framework of the possibilities provided by the power of attorney. To complete it, you will need to have certain documents depending on who is the owner of the vehicle.

Free legal consultation by phone: