Do I need a power of attorney to drive a car if insurance is unlimited?

It often happens that you need to urgently go somewhere, but your car is gone. Then you can take transport from friends or acquaintances. In this case, you need to have with you all the necessary documents. Do I need a power of attorney if insurance is unlimited? This is described in the article.

What is a power of attorney?

The power of attorney is considered an ununified document provided by the owner to another person authorized to manage. The form can be purchased at the bookstore. The document is compiled manually in writing, and all requirements regarding the content are established by law. The power of attorney must contain the following data:

1. Name of the owner and his passport data.
2. Name of the person authorized to operate the machine with passport data.
3. Brand, body color, number, registration plate.
4. The powers vested in the driver.
5. Validity of the document and date of issue.
6. Signature with decryption.

Do I need a power of attorney if insurance is unlimited? This document is not required, the main thing is that the driver data is entered in the insurance policy. But a power of attorney is required in order to pick up the car from the parking lot or pass a checkup. Its presence is necessary for various registration operations.

Power of Attorney

The document must contain a validity period. If only the date of issue is indicated, then it is considered that the validity period is 1 year. Another period can be indicated if you record it manually. In the absence of a power of attorney or if these data are not available, the document will be declared invalid.

The maximum period during which the power of attorney is valid is 3 years. It is believed that it should be certified by a notary, but this is not true. You only need to sign it with the owner of the car. Notarization is required only for the right to buy, sell, renew, register.

The need for a power of attorney

Previously, a power of attorney for insurance without restrictions was necessary. It was believed that this protects against car theft. But in practice it turned out that this document and the signature of the owner of the car is easy to fake. The fraudster enters information into the power of attorney with his own hand, which is not illegal. This complicated and delayed the search for the missing car.

If the traffic police inspector stops the driver with a fake document, then he can let him go, as it will not work to check the originality. And now do you need a power of attorney if insurance is unlimited? Since December 2012, permission appeared to operate the machine without a power of attorney. The driver must have:

1. Driver's license.
2. Certificate of registration of the machine and trailer.
3. Permission to carry passengers or baggage.
4. Cargo documentation.
5. The insurance policy in which the driver is entered.

When do you need a power of attorney?

The abolition of the need for this document has made life easier for many families with a car. But there are situations when only the owner or the authorized person can dispose of the transport. If insurance is unlimited, do I need a power of attorney? This document is required for the following procedures:

1. Registration of the car.
2. Vehicle deregistration.
3. If you need to pick up a car from the parking lot.
4. Passing inspection.

When traveling abroad do I need a power of attorney if insurance is unlimited? In this case, a notarized document is required. This rule does not apply to Kazakhstan and Belarus; you can travel freely in these countries.

When else is a power of attorney required?

If insurance is unlimited, do I need a power of attorney? The document is needed for:

1. Registration of insurance policy.
2. Receive insurance benefits.

To drive someone else's car, the driver must be listed on the CTP policy. This is compulsory civil insurance. The procedure is performed as follows:

1. Enter in the policy the people who will operate the machine.
2. Get a policy without restrictions.

If there is insurance without restrictions, do I need a power of attorney? In this case, the document will be valid for any driver who has documents for the car and keys. Adding new drivers to the policy is considered a paid service. The cost is determined by the age of the citizen, driving experience, the number of accidents. A policy without limitations costs more, but the price pays off if other people use the transport.

Decor

Even if the insurance is unlimited, the power of attorney must be properly issued. This document refers to the permission of third parties to exercise the powers of another person. It is filled in a free form, but there are several mandatory points. At the end it is necessary to put the number of filling documentation and the signature of the owner of the machine. But you can use a standard form.

Filling Rules

The document is filled out on sheet A4. You can do this manually. Mandatory points are:

1. Passport data of the owner of the car.
2. Passport data of the driver.
3. The list of trusted actions.
4. Date of issue.

You must specify information about the car:

1. Make and model.
2. Date of issue.
3. An identification number.
4. Information from the data sheet.
5. Information from the certificate of registration of transport.
6. Engine and body number.
7. Registration number.

The document can indicate the duration of the power of attorney. If the time is not indicated, then automatically the document is valid for 1 year. The maximum term is 3 years. The owner of the power of attorney has the right to issue a power of attorney. To prevent the machine from being handed over to third parties by proxy, the phrase “without the right of transfer” should be given on the original form. Do I need a power of attorney to drive a car, if insurance is unlimited? Although in most cases it is not required, it is important that the driver data is indicated in the CTP policy.

Credentials

In order to avoid difficulties and the need to verify documents, it is preferable to issue a general notarized power of attorney. The trustee will perform the same actions as the legal owner of the machine. It will turn out not only to put and remove the car from the register, but also to perform inspection, sell a car. The owner must specify the authority immediately.

What does the power of attorney provide?

1. General . You can remove and register, sell cars. Represent the interests of the owner.
2. Special . You can perform uniform actions - inspection, removal and registration.
3. One-time . Only 1 operation is performed.

Legally, there is no difference between a manually completed and notarized document. But in practice, it may be that a hand-filled power of attorney will not be accepted as a document, since it is easy to fake. Such documents should not be used, as this is criminally liable.

Act

Do I need a power of attorney for a car if insurance is unlimited? The duration of the power of attorney is indicated in the document. It happens:

1. Disposable . It will turn out to perform certain procedures.
2. Reusable . For up to 3 years.

After this, re-execution of the document is necessary. Do I need a power of attorney for a car if insurance is unlimited? It all depends on what needs transport is required for.

Unlimited insurance

Making insurance without restrictions is not suitable for everyone. Some may wish to purchase a limited policy. For example, if one person uses the machine or if there are several drivers, but a low coefficient applies to all.

Unlimited insurance is expensive. The benefits of unlimited insurance are as follows:

1. Any person who has the rights of a suitable category can drive the machine.
2. The cost of the policy is sometimes not higher than the cost of a limited policy (with a high coefficient for 1 of the drivers).
3. Terms of registration - no more than the terms of registration of a limited policy.
4. It is not required to fill out information on persons admitted to management.

If there are people whom the owner of the car would not want to allow to transport, then you should not take out unlimited insurance.

The features of an unlimited policy include the following:

1. This type of policy is convenient for drivers if several people use the machine.
2. Insurance is convenient for organizations and individuals whose employees use transport for work purposes.
3. Convenience is manifested in emergency cases - you can drive transport to any person.
4. The law allows the right to change the type of policy even during its validity.

Cancellation of power of attorney

The circumstances change, and sometimes the owner of the car needs to cancel the power of attorney. Is there such an opportunity? Cancellation of a document to control the machine is possible only after notification of the authorized person. The driver must return the form. Automatically the document does not work if the person (issuing or receiving) died or lost his legal capacity.

Even if there is a general power of attorney, it will be possible to sell the car only with the heir to the owner of the vehicle. The power of attorney is canceled if:

1. The owner canceled the document.
2. The trustee does not want to use the transport.
3. One of the parties has died.
4. The company that submitted the document is no longer working.

Thus, the power of attorney in many cases is not required to control someone else's car. But nevertheless, it is needed to carry out a number of procedures, including the removal of the car from the parking lot.