Does Car Insurance Have to Be Purchased by the Car Owner Themselves in 2021?
2 Answers
In 2021, car insurance does not necessarily have to be purchased by the car owner themselves. Below is some extended information regarding car insurance: 1. Compulsory Traffic Insurance: Compulsory traffic insurance is mandated by the state and is a type of compulsory insurance where the insurance company compensates the insured for third-party personal injuries, deaths, and property losses caused by traffic accidents within the liability limits. Driving without compulsory traffic insurance is illegal. 2. Vehicle Damage Insurance: Vehicle damage insurance is responsible for compensating for vehicle losses caused by natural disasters and accidents, making it the most widely used type of car insurance. After the new car insurance reform regulations, vehicle damage insurance now includes the old vehicle damage insurance, total loss theft insurance, spontaneous combustion insurance, water damage insurance, glass breakage insurance, no-deductible insurance, and third-party liability insurance when the responsible party cannot be found. If you have purchased vehicle damage insurance and your car encounters problems requiring repairs, you can apply to the insurance company for compensation of the repair costs.
As a veteran driver with over a decade of experience, I've helped friends purchase auto insurance on their behalf. In 2021, auto insurance doesn't necessarily require the vehicle owner to purchase it personally—you can authorize someone else to handle it. All you need is a copy of the owner's ID and a written letter of authorization. Once, when a relative was too busy, I took their documents to the insurance company. The process was straightforward, but the key is to clearly state in the authorization letter that it's for handling auto insurance matters. The insurance company will verify the vehicle details and the owner's name for accuracy. However, I recommend handling it yourself or entrusting it to someone reliable, as incorrect information could lead to issues during claims or even legal disputes. Auto insurance is a serious matter—never take it lightly. It's crucial to develop a habit of regularly reviewing your policy.
