What to do if you lose your car insurance policy

A car insurance policy is an important certificate of insurance, so it is best to handle this business in person by the insured. To be insured, you only need to bring your original ID card and driving license, go to the designated outlets of the insurance company to handle it, and you can get the policy on the spot. If a third party is entrusted, the relevant proof of entrustment materials and the original ID card of the client should also be prepared.

There are two types of replacement car insurance policies, namely compulsory traffic insurance policies and commercial car insurance policies. Taking into account the needs of annual vehicle inspection and vehicle inspection, the owner can get the original policy when applying for a compulsory traffic insurance policy; When reapplying for commercial auto insurance, the insurance company only gives a copy of the policy.

A person from the auto insurance claims department of a property insurance company said that the car insurance claim documents do need to provide the insurance policy, but only a copy of the policy is required. Since the policy replacement business can be completed on the spot, the car owner can complete the submission of claim documents at one time.

Tips: The majority of car owners need to take good care of the car insurance policy, so as not to be unable to get a claim due to the loss of the policy when making a claim. At the same time, it is best not to keep the car insurance policy with the driving license and ID card, otherwise it may give criminals a chance to take advantage of it after it is lost.

The owner can bring his ID card, driving license, and the relevant documents for the purchase of the vehicle and the proof of the procedures for buying compulsory insurance, and apply for a replacement of the compulsory traffic insurance mark at the business department of the insurance company.

To reapply for a compulsory traffic insurance policy, the insured needs to bring his or her original ID card and original driver's license to the outlets designated by the insurance company for processing, and the compulsory traffic insurance can be reissued to the original of the policy.

After the loss of the car insurance policy, remember to report the loss as soon as possible, you can open the Alipay app to run the Zhengtong applet or the Qichu applet, select the type of newspaper, and then fill in the content to select the newspaper type to place an order, the newspaper can be delivered to your home in 2-3 days, and remember to keep it after you get home, so as not to be used for other purposes by illegals

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1. The first step: prepare documents, after encountering this situation, the owner immediately re-applies for the car insurance policy, according to the regulations of the relevant insurance company, it must be handled by the insured himself, and the insured needs to bring his ID card and the original driving license. Of course, if the insured needs to be handled by someone else, then it is also necessary to bring the proof of entrustment and the original ID card of the principal;

2. The second step: commercial insurance reissue, when the car owner reissues the commercial auto insurance policy, the insurance company can only handle a copy of the insurance policy, but the car owner can rest assured that because of the relevant laws and regulations of the country, the copy of the commercial auto insurance policy and the original will also have the same effect when the car insurance claim is made;

3. The third step: the compulsory insurance is reissued as a compulsory insurance for each car owner, and the dismantling of the fiber in the compulsory insurance policy is reissued, because it involves the annual inspection of the vehicle and the problem of vehicle inspection, so the owner can reapply for the original of the compulsory insurance policy, but can not reissue the sign of the compulsory insurance;

Millions of car purchase subsidies.

A vehicle insurance policy is a written document used to prove that the insurance contract has been established and that the subject matter of the insurance has been underwritten by the insurer, and that the policyholder has the relevant insurance rights when suffering damage within the scope of insurance liability. When a vehicle is out of insurance, a vehicle insurance policy is an integral part of filing a claim. However, some car owners often do not keep the insurance policy properly after insuring the car, so that they find out that the policy is lost after the accident.

So next, Xiao Wan will give you a detailed introduction to what to do if you lose your car insurance policy.

Step 1: Prepare your documents.

In this case, the insured should immediately reissue the vehicle insurance policy, and according to the regulations of the relevant insurance company, the insured must generally bring his or her ID card, driving license and other information to handle it.

Step 2: Commercial auto insurance policy reissue.

When the car owner reissues the commercial auto insurance policy, the insurance company can only handle the copy of the insurance policy, but the insured can rest assured that according to the provisions of the Insurance Law, the Contract Law and other laws and regulations, the copy of the commercial auto insurance policy and the original have the same legal effect when making a car insurance claim.

Step 3: Compulsory traffic insurance reissue.

Compulsory traffic insurance is mandatory for every car owner, and when the compulsory insurance policy is reissued, taking into account the issues related to the annual inspection and vehicle inspection of the vehicle, the insured can reapply for the original copy of the compulsory traffic insurance policy, but cannot reapply for the sign of compulsory traffic insurance.

If the owner encounters the above situation, he should analyze it according to his specific situation and prepare the corresponding documents in advance, so that he can save a lot of time.

In addition, if the insured is indeed unable to go to the insurance company in person to reapply for the policy, and needs to entrust a third party to reapply for the policy, the agent needs to prepare the relevant entrustment certificate and the original ID card and driving license of the principal, etc., and can only be reissued after the information is approved.

The vehicle insurance policy is the proof of the conclusion of the insurance contract between the insurer and the policyholder, which records the main content of the insurance contract and is related to whether the car insurance can successfully apply for claims. Therefore, after handling car insurance, the insured should properly keep his vehicle insurance policy, and it is best not to put it together with the ID card and driver's license, once lost, it is likely to create opportunities for criminals to commit crimes. If the vehicle insurance policy is accidentally lost, the insured should report the loss to the insurance company in time and reissue it.

In addition, even if the insured is insured during the reissuance of the vehicle insurance policy, it will not affect the insurance claim, and the insurance claim will be completed at the same time as the reissue is submitted, so the majority of car owners do not have to worry about it.

1. Compulsory traffic insurance is compulsory insurance, check the car, anyway, it is used in many places, but you accidentally lose the policy, don't worry at this time. If you really can't find it, you can go to the insurance company where you have purchased compulsory traffic insurance, ask for a copy of the policy of paying this messy Johnson leakage, and he will provide you with a copy.

2. The function of the copy is the same as the function of the insurance policy, and many things can be effectively handled when you go to the vehicle management office and check it. What is the copy, you don't need to understand this word, go directly to the insurance company you are insured, and he will know, print it out for you, and stamp it for you.

3. If you don't need to inspect the car, or anything else, the compulsory traffic insurance policy is lost, and it will not affect your car out of insurance. Since you are insured, they have a record there, so when you are in danger, they only need to ask you to provide your ID card, driving license, bank card, etc., and they do not require you to provide an insurance policy.

4. Therefore, if the compulsory traffic insurance is lost, it is a trivial matter, do not panic, if you use it, go to the insurance company to print a copy at any time within the validity period of the insurance policy, if you don't need it, it will not affect the car to report the claim.

If the car insurance policy is lost, it is necessary to report the loss in time, and then run the replacement in the following ways:

1.Bring your ID card and other materials to the offline outlets of the insurance company to go through the procedures for reapplying for a car insurance policy;

2.For example, Ping An Auto Insurance can directly find "Check Policy" on the homepage of the Ping An Good Car Owner App, then select the corresponding insurance type "Policy Printing", and then select "Policy Printing and Delivery", enter relevant information according to the page reminders, and reissue the car insurance policy after submission and approval.

It should be noted that if you have an electronic policy of compulsory traffic insurance and commercial car insurance, you do not need to reapply for it, but if the car insurance policy is lost, it is recommended to inform the insurance company.