Sample power of attorney in Ingosstr. Power of attorney to represent interests in an insurance company. Why do you need a power of attorney to represent interests in an insurance company?
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.
In modern realities, many of us deal with insurance companies. For some citizens, such relationships are mandatory.
For example, drivers are required to annually purchase an insurance policy under MTPL.
And if you don’t want to personally communicate with insurers or you simply don’t have time for this due to your busy schedule, then a power of attorney to represent your interests in an insurance company will help. In this material we will provide some recommendations for drawing up such a document.
As a rule, a visit there is due to the occurrence of an insured event. Therefore, before contacting the insurance company, you should prepare all the documents that serve as the basis for making payments.
For example, if an accident occurs, then you need to prepare a certificate from the traffic police, medical documents (when damage is caused to health), data from an independent expert assessment regarding the amount of damage caused, etc.
However, that's not all. It is mandatory to submit an application for insurance payment.
It should describe the insured event itself, as well as refer to the provisions of the insurance contract regarding the provision of compensation.
It would also be useful to cite the norms of special legislation on certain types of insurance. This way, representatives of the insurance company will know that their client has a certain legal literacy. Practice shows that this reduces the likelihood of conflicts arising in the future.
Naturally, all documents regarding the insured event are attached to the application. A list of them is given at the very end of the appeal.
The processing time for an application may vary depending on the type of insurance. For example, according to the compulsory motor liability insurance we have already mentioned, all issues must be resolved within 20 calendar days. However, the period for making a decision on insurance must in any case be stipulated in the contract with the insurance company.
The appeal to the insurance company can also be addressed in the form of a claim. It is presented when payments are not made or their amount is significantly less than expected.
Document validity period and contents
A power of attorney to represent interests in an insurance company can be issued for any necessary period. It can range from several days to years.
Everything will depend on the nature of the assignment assigned to the representative.
If the document does not indicate the period of its validity, then it is considered that it remains in force for only one year.
A power of attorney to an insurance company can be issued either by a citizen or by an enterprise. In the latter case, the signature of the manager and the company seal are required.
Registration of authority to represent interests in insurance does not require notarization. However, some insurance companies insist on this type of power of attorney. This also needs to be taken into account.
Now let's move directly to the contents of the document. The name should come first (“power of attorney”). Then the date of its execution must be indicated. Without this information, the power of attorney is considered invalid. The locality where the document was drawn up is also indicated.
Further details about the principal are provided. If he is a citizen, then passport data, as well as an individual tax number (TIN), are also added to his residence address. Following this, comprehensive information about the representative is written.
A power of attorney can be issued to several people at once. For example, a client contacts a law firm to resolve problems with an insurance company. Then its employees can be listed in the power of attorney.
The main block is the list of powers of the representative. Its composition may vary depending on the tasks assigned. Here is the most common list:
- conclusion of an insurance contract and amendments to it;
- submission of applications, claims and other documents regarding insurance payment to the insurance company;
- conducting negotiations with representatives of the insurance company;
- participation in examinations and other studies;
- receiving insurance compensation.
The power of attorney may also outline an additional range of rights of the representative. For example, in the event of an accident, insurance can also be provided by organizing repairs. In this case, the authorized representative must be empowered to draw up all the required documents and accept the results of the work performed.
If you plan to sign documents, you should also provide a sample signature of the person to whom the authority is transferred.
Of course, the power of attorney must also contain the signature of the principal. If a document is drawn up by a notary, then the mandatory requisite is his certification inscription.
In the case of an insurance company, it is important to consider some other points.
First of all, the possibility or prohibition of transfer of trust should be spelled out.
This term means that a representative can delegate his or her powers to another person. In this case, a power of attorney is also drawn up (and necessarily notarized).
Along with the power of attorney, the representative should be given copies of insurance documents, as well as all materials regarding the insured event. After all, the trustee must be ready to negotiate or possible litigation.
In the case of compulsory motor liability insurance, it happens that several people are included in the insurance policy at once. And if the person is present there, then there is no need to additionally issue a power of attorney for him before the insurance company.
A power of attorney can be either one-time (that is, to perform a specific action) or general. For example, the right to obtain insurance may be supported by the ability to drive or dispose of a car.
This power of attorney is intended for representation on behalf of the policyholder (beneficiary) or the victim, in connection with the occurrence of an insured event under property insurance contracts, personal insurance contracts, compulsory insurance contracts, on issues of the principal receiving insurance compensation.
Based on the Civil Code of the Russian Federation, a power of attorney to represent interests in an insurance company on behalf of a legal entity is issued in writing, signed by its director or another person authorized to do so by its constituent documents, with the seal of this organization attached.
The legislation does not establish a requirement for the need to notarize a power of attorney to represent interests in an insurance company issued by an individual. However, insurance organizations require a notarized power of attorney for the right to represent the interests of the policyholder in the insurance company, with the right to sign documents and/or receive insurance compensation.
The principal is an individual or legal entity who, depending on the insurance contract, is the insured (beneficiary) or the victim.
The validity of a power of attorney is not limited by a maximum period. 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 on the date of inspection of the damaged vehicle, give explanations, sign the inspection report, and also perform other necessary actions related to the implementation of such an order.
Every modern driver knows firsthand about the benefits of official insurance, so most vehicle owners have visited insurance companies to complete documentation, conclude insurance contracts, receive policies and financial payments. However, in some cases, the client of the insurance organization does not have the physical, or even mental, ability to independently manage his own car. It is in such situations that the ideal option for performing all important procedures in an insurance office is a power of attorney, to obtain which you must complete a certain list of actions.
In legal terminology, a power of attorney is an official document, which is drawn up in strict accordance with a single template and provides the legal right to the authorized person to represent the interests of the principal in the insurance institution. This paper must be drawn up subject to compliance with all rules, and if the rules are ignored, it is invalid.
Power of attorney to represent interests in an insurance company
A principal is a person who grants another the right to represent his own interests. A proxy is a person who receives rights from the principal and voluntarily assumes the authority to protect and represent the interests of the principal in a government agency.
A trust document for subsequent representation of the interests of individuals or legal entities in an insurance agency is needed in cases where the principal is the legal owner of the vehicle:
- Physically does not have the ability to manage his own rights(stays in medical institutions for health reasons, in places of deprivation of liberty, outside the country, etc.), subject to the availability of documentation confirming one of the above facts;
- Voluntarily, on his own initiative, wishes to give another person the right to dispose of vehicle and insurance operations.
Necessary documents and nuances of issuing a power of attorney
At the time of drawing up the document, the principal has the opportunity to independently determine the permissible list of powers for the authorized person, which may include the right to receive insurance payments, participate in insurance procedures, and submit documentation on behalf of the principal.
A power of attorney is a serious legal document, however, in accordance with current legislation, there is no strict need for its notarization. But some insurance companies prefer notarization of such documents, so before drawing up a power of attorney, you should find out exactly what the requirements of specific insurance institutions are.
To obtain a power of attorney at a notary's office or in the presence of insurance company employees, the presence of both parties is required: the authorized person and the principal with the following papers:
- Standard power of attorney form completed by the principal for subsequent representation of interests in the insurance office.
The power of attorney form can be found on the Internet and filled out in the presence of an authorized person; it is also not a violation to write data on a new sheet of paper without prior marking.
- Documents confirming the identities of the parties– passports.
- For legal entities – registration documents, which confirm the legality of the enterprise’s actions.
- Insurance policy, on the basis of which the trusted person will perform permitted and permissible legal actions.
- Papers for a vehicle.
Mandatory details of the power of attorney
The list contains documents, the provision of which is mandatory to obtain all forms of power of attorney (general, temporary, one-time, etc.), however, depending on the situation, this package may change.
Registration of a power of attorney for the right to insure a car
Every vehicle owner is required by law to insure the car, but if this is not possible, then an authorized person can carry out this operation. You can take out car insurance not only on the basis of a one-time targeted power of attorney with notarization, but also if you have a general power of attorney, which provides the right to perform any actions with the vehicle.
Sample handwritten power of attorney
When drawing up a power of attorney for the right to insure a car, you must submit a standard set of documents and when drawing up the power of attorney form, indicate the following reliable data:
Determining the exact time of receipt of the power of attorney is important, since if there are no time restrictions on the possibility of car insurance in the document, the validity of this document expires one year after its conclusion.
- Details of the principal and the trustee(passport data of individuals and registration data of legal institutions).
- Direct text of the power of attorney, which includes all the powers of a trustee - the right to insure a car.
- Validity period of the document.
The validity period of the power of attorney cannot exceed three years from the date of registration.
In the process of concluding a trust document for a car title or CASCO for a credit or regular car, the principal provides standard list of papers, and also supplements it with the following documents:
- internal passport, rights of a trusted person;
- vehicle registration documents;
- a valid diagnostic card (latest technical inspection coupon);
- a written statement from the owner of the vehicle regarding the desire to issue a power of attorney;
- copies of driver's licenses of persons who will be able to drive and operate a vehicle.
The owner of the car has the right to apply for compulsory motor liability insurance with an open, unlimited list of drivers. In this case, granting rights is not required by law.
Application for OSAGO
In legal practice there is an opportunity execution of trust documents on behalf of an individual. With this procedure, the applicant must collect a list of required documents and visit the insurance company or notary to fill out the appropriate form. The document must indicate the following information:
- place and date of execution of the power of attorney;
- your passport details: full name, date of birth, gender, series and number, date of receipt and organization that issued the passport;
- similar data must be indicated by the party of the trusted person;
- a list of powers that a trusted person can perform.
If an individual provides a power of attorney to receive insurance compensation or the right to leave a signature on official documentation, then such paper must be subject to notarization.
How to draw up a power of attorney on behalf of a legal entity
The procedure for issuing a power of attorney for the right to represent interests in an insurance company from a legal entity provides for a standard registration procedure. The applicant indicates the place and date of the manipulation, the name of the organizations in which representation is required and a list of powers. The following data is entered in the applicant's side column:
- Name of the organization;
- individual tax code;
- registration number of the commercial enterprise, the date of registration and the responsible person who recorded it;
- company address;
- passport details (full name, date of birth, number, series, date of receipt of passport, registration).
Sample power of attorney from a legal entity
In accordance with current legislative acts, a power of attorney for the right to represent the interests of the principal in the insurance company, issued on behalf of a legal organization must be certified by the company’s seal and signature the following persons:
- head of the institution;
- a person authorized to sign the relevant constituent documents.
Do you need a power of attorney if a person is included in the insurance?
Documents for adding an additional driver to the MTPL policy
To drive an insured car, the principal does not need a power of attorney if it is included in the MTPL policy. In some cases, the fact that a person’s name is included in the insurance must be confirmed by a power of attorney:
- To represent the interests of the car owner in the insurance office(collection of documentation, receipt of insurance amounts, resolution of insurance disputes, etc.).
- To apply for an MTPL policy It is advisable to issue a one-time trust document at the time of purchasing insurance.
- For the purpose of registration vehicle.
- To undergo the technical inspection procedure.
- In order to carry out financial transactions with cars: purchases, sales, mortgages to obtain a loan.
Thus, a power of attorney is an important document that has significant legal force, as it allows authorized persons to perform certain manipulations with the principal’s transport property. In order not to become a victim of an unscrupulous partner, it is important to verify his capacity and adequacy. But in order to protect your own property from unwanted procedures, you can issue one-time powers of attorney with a limited list of actions.
In order for the document to have legal force and the insurer not to doubt its authenticity, the power of attorney is issued by a notary, in the presence of two parties: the owner of the car and the attorney. 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.
- So on the SK website "Renaissance Insurance" In the “Forms and Sample Documents” section you can find both samples of powers of attorney and various types of statements.
- On the website of Ingosstrakh-M Insurance Company in the section “Samples and Forms of Documents”, you can also find a collective power of attorney.
A power of attorney to represent interests in an insurance company must contain (in order):
- date of execution of the power of attorney;
- place of execution of the power of attorney;
- name of the principal;
- name of the attorney;
- list of sane powers;
- validity period of the power of attorney;
- the presence or absence of the right of subrogation;
- signature of the principal.
How to apply for representation of interests in Rosgosstrakh?
As an example, consider the power of attorney in the Rosgosstrakh insurance company to represent the interests of the principal in connection with the occurrence of such an insured event as an accident.
- In the header you must indicate the name of the document “Power of Attorney” and, if necessary, the serial number. Next, you should indicate the date the power of attorney was made.
A power of attorney that does not indicate the date of its execution is void (clause 2 Art. 186 of the Civil Code of the Russian Federation). This means that an undated power of attorney has no legal force.
- As the place of execution, reflect the city in which the power of attorney is issued, for example, “Syktyvkar”.
- When entering the details of the principal and attorney, use the principle of maximum identification.
Because in the case under consideration, the principal is an individual, then it is necessary to indicate the full name, series and number of the passport, date of issue of the passport and issuing authority.
Example: “Citizen Zabeyvorota Sergey Ivanovich, hereinafter referred to as the Principal, passport series XXXX number XXXXXXX, issued XX.XX.XXXX years by the Federal Migration Service of Russia for the Sovetsky district of the city of Labytnangi, authorizes citizen Shmalko Mikhail Ivanovich, hereinafter referred to as the Attorney, passport series XXXX number XXXXXXX, issued XX.XX.XXXX years by the Department of the Ministry of Internal Affairs of Russia for the New District of Starinsk, to represent the interests of the Principal in PJSC IC "Rosgosstrakh" with the right to perform the following actions:...".
Below you can download a form and sample power of attorney in case of an accident to an insurance company to represent interests from an individual to an individual.
In the event that the attorney is a legal entity, after the words "authorizes" should be specified: “... Insurance Representative LLC (TIN XXXXXXXXX), represented by General Director Yakov Fridmanovich Manuylov, acting on the basis of the Charter, represent the interests of the Principal in PJSC IC Rosgosstrakh with the right to perform the following actions:...".
- When describing the powers provided, remember that the most detailed description will avoid misunderstandings with the insurance company employees.
Example: “to represent the interests of the Principal in PJSC IC Rosgosstrakh on all issues related to the consideration of an insured event that occurred within the framework of insurance policy No. XXXX, with the right to receive, submit documents and statements, sign such documents and statements, certify copies of documents, make claims, receive property, incl. monetary and non-property compensation, as well as perform other actions necessary for the proper execution of this instruction.”
- After this, you must indicate the validity period of the power of attorney and the right of substitution.
Note! A power of attorney that does not indicate a validity period is considered valid for one year from the date of its execution (Clause 1 of Article 186 of the Civil Code of the Russian Federation).
Example: “This power of attorney has been issued for a period of one year from the date of its execution, without the right of delegation to other persons.” If the right of subrogation is necessary, please indicate: “...with the right of delegation to other persons.”
- At the very end, indicate the Last Name of I.O. The principal and provide a place for signature.
Example: "Baygate S.I.___________________________."
When preparing the document, it is important not to forget to indicate the following information:
- Date of document preparation;
- Name of the city in which the document was drawn up;
- Information about the principal: full name, place of residence, passport details, TIN;
- Representative information;
- Powers of the representative. Among them the following can be noted:
- Signing an insurance contract;
- Submitting claims and other statements to insurance;
- Negotiations with the insurance company;
- Conducting examinations and other studies;
- Receiving insurance payment;
- Signature of the principal, his representative, and the notary.
Anti-insurance – standard block
The validity period of the power of attorney is established by the person who draws up this document. In other words, a power of attorney can be valid for several days or several years.
If this is not done, the power of attorney retains its legal force.
The power of attorney states that it was issued to represent the interests of the organization in inspecting and determining the cost of damage to the car, indicating its make (model), state license plate and owner details.
Such powers of attorney are signed by the heads and chief accountants of organizations. They are subject to special accounting in accounting. The power of attorney must indicate its validity period and registration number.
What rights do the plaintiff and defendant have when inspecting a damaged vehicle with the participation of an auto expert? Auto expert SAMUSEV V.I. When inspecting the damage, the defendant and the victim, their legal representatives have the right to make comments and statements related to the identification of damage, ask the auto expert questions, and demand clarification regarding technical terms and inspection methods.
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.
Inspection of a damaged vehicle is carried out in the presence of:
- a citizen claiming insurance payment to him (victim);
- interested parties:
- the driver who caused the harm;
- other persons whose rights and legitimate interests are affected during the inspection and determination of the amount of harm (if there are such persons);
- proxies of those who must be present during the inspection (if there are such persons);
- representative of the insurance company (if necessary).
Many insurance companies refuse to work with authorized persons who have a document without certification by a notary. Open in .pdf format sample power of attorney for an insurance company If you have any questions about filling out a power of attorney to represent interests in an insurance company, ask us:
Who can be an attorney?
Executing a power of attorney to receive insurance compensation under compulsory motor liability insurance can be divided into 2 options: a power of attorney from an individual and a power of attorney from a legal entity.
In the case of powers of attorney from individuals, the policyholder must contact a notary and provide him with the following information:
- Full last name, first name and patronymic, date of birth, gender, passport series, passport number, authority that issued the passport and the date of issue of the policyholder’s passport.
- Identical data specified in the first paragraph for the person for whom a power of attorney is issued for the right to receive payment under compulsory motor liability insurance.
- A list of powers that are additionally vested in the recipient of the power of attorney, in addition to the right to receive insurance compensation.
The power of attorney must indicate the place of its issue and the date of its issue.
In the case of a power of attorney from a legal entity, this document is drawn up according to Form No. M-2, which does not require notarization of the document. The key data that is entered into such a document are:
After filling out the form, the document must be certified by the seal of the organization and the signatures of two persons:
- head of the company;
- a person who has the right to sign on constituent documents.
To understand the issue, it is necessary to specify the parties to the compulsory motor liability insurance 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 responsibility 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.