Does Car Insurance Require the Owner to Be Present?
2 Answers
Not necessarily. Here is some relevant information about car insurance: Compulsory Insurance (Traffic Accident Liability): Mandatory insurance that provides compensation for third-party rights in the event of an accident. Vehicle Damage Insurance: Covers losses caused by accidents to the vehicle, and it is recommended to insure for the full amount. Whole Vehicle Theft Insurance: Note that if the car is stolen, a police report must be filed promptly. If the car is not found within three months, the insurance company can only compensate with proof from the public security authorities. Passenger Liability Insurance: Covers accidental injuries to the driver or passengers in the car, including medical expenses after an injury. Glass Breakage Insurance: Covers situations where the glass is smashed or prone to breaking independently.
I recently renewed the insurance for my dad's car, and indeed, it doesn't necessarily have to be done by the car owner themselves. As long as you bring the original documents like the owner's ID card, vehicle registration certificate, and driver's license, along with your own ID, you can handle it at the insurance company's counter. However, there are two important points to note: first, for major accident claims, the car owner must personally sign to confirm; second, if you choose to purchase insurance online, it's best to use the car owner's own bank card for the payment account. Last time, I used my own Alipay to pay, which resulted in inconsistent information on the electronic policy, and it took half an hour to get the customer service to fix it, which was quite a hassle.
