How is a power of attorney issued for OSAGO insurance: sample and validity period

Any capable citizen over the age of 18 can buy an OSAGO policy, within the framework of the law. At the same time, it should be borne in mind that if the insured is not the owner of the vehicle, then a power of attorney for the OSAGO insurance is requested to draw up the contract. It will also be required by a trusted person for any contact with the office of the insurer. We will consider in the article how to buy OSAGO by proxy, what data should be contained in the document and for how long it can be issued.

The purpose of the power of attorney for registration of OSAGO

Many motorists are interested in why insurers request a power of attorney and why it is impossible to purchase a form without it. In fact, this requirement is fixed at the legislative level. It is thanks to the power of attorney that the insurer can be sure that the applied motorist legally represents the interests of the owner.

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

Attorney Requirements

To draw up an OSAGO policy, an attorney must present documents to a specialist of an insurance company. Get ready to prepare:

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

If an employee of the company deals with insurance issues, then the statutory documents of the company should be additionally presented.

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

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

What information should be included

It does not matter what power of attorney is requested for an OSAGO insurance company (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 person (similar);
• vehicle characteristics: make and model, state registration plate, title data and identification number;
• powers of a trusted person, for example: the right to issue an OSAGO, make changes, receive payment in the event of an accident, etc.;
• date and place of issue;
• duration (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 should be borne in mind that a power of attorney for issuing an OSAGO policy can be one-time or special. As for the one-time, in this case the name speaks for itself. This document is required solely to perform one action, namely the purchase of OSAGO.

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, in which all the rights of the trustee and the validity period of the document are prescribed.

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

Validity periods

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

Validity:

Registration procedure

To issue a power of attorney, to purchase OSAGO insurance, you must contact a notary. In this case, the document is drawn up exclusively in the presence of the owner of the car, 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 capable. If everything corresponds to generally accepted requirements, then the text of the document is drawn up. As a rule, each notary has special templates.

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

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

Be prepared to provide:

• the passport of the principal, in this case, the one to whom the vehicle is registered;
• passport of the representative who receives the rights to the car;
• a document confirming the ownership of the car: PTS or STS.

All documents are accepted only in original. 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 legal basis if he has a suspicion that the principal or authorized representative is not consciously issuing powers of attorney or are intoxicated or otherwise intoxicated.

Writing instructions

Any document must be written correctly. If the company agrees to accept powers 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 format and write “Power of Attorney” in the top center.
2. A little lower in the upper right corner, you must indicate the city in which the registration takes place and the date.
3. Next will be the text of the document itself. In this section, you must specify all the data of the principal, trustee and authority.
4. At the end, be sure to indicate for how long the document was issued.
5. Substitute the signature and decoding of the principal and trustee.

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

• 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 authority section, it should be written: the authorized representative, during the term of the contract No. “Indicate number”, can make changes, namely:

• enter the driver or make OSAGO without restrictions;
• extend the period of use;
• change the data: full name of the owner, PTS data or state registration plate.

To receive an insurance payment

In the event that the owner cannot personally apply to the office of the insurer in order to receive payment, then a document is prepared in which they indicate: the trustee, during the term of the contract, can contact the office of the insurance company 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 a trusted person can contact the office of the insurer to resolve any issues. To do this, all powers should be clearly stated in the body of the document. For example:

• entry of the driver;
• extension of validity;
• termination.

Instructions for concluding a contract

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

1. Download the template of the power of attorney for OSAGO.
2. Fill out the power of attorney only if you have the passports of the principal and the trustee.
3. After drawing up, transfer to the trusted document on the car, confirming the ownership.

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

Certification methods

When drawing up a contract, insurers are asked 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;
• notarially.

Often, companies, in order to conclude an OSAGO agreement, ask only for a notarized power of attorney. This requirement is explained very simply, insurers are trying to avoid the fact of fraud and draw up or extend the contract "purely", from a legal point of view.

Summing up, we can conclude that the owner of the car is obliged to prepare a power of attorney if a trusted person deals with insurance or receiving payments. In this case, the power of attorney can be drawn up both personally and notarized. The main thing is to comply with all requirements when drawing up and clearly state all the rights of the trustee.

In addition, we offer all drivers to use the help of an experienced expert on our portal, who will answer any question from the insurance industry.