The auto insurance policy is the proof of payment issued by the insurance company to the insurance company after the owner purchases the insurance. If there is a need to claim compensation from the insurance company, we need to apply for the claim based on the policy. Therefore, for such important documents, we It should be kept safe and if lost, it will cause a lot of extra trouble. But there are always careless owners who have lost their policies. What should we do in this situation?
Most people may think of re-submitting. It is true that they can re-submit, but they also need the relevant documents, and the re-issuance of commercial insurance policies can only make up a copy. Therefore, there are two types of re-issue policies.
The first is to reissue compulsory insurance policy. This requires the insured to carry the original ID card and the original driver’s license to the insurance company’s designated outlets. The delivery of the compulsory insurance can cover the original of the policy, but the sign of compulsory insurance cannot be reissued. Anyone who applies for compulsory insurance must attach the insurance mark to the front windshield of the car. If there is no insurance mark, it shall be subject to a warning or a fine of not less than 20 yuan but not more than 200 yuan in accordance with Article 90 of the Road Traffic Safety Law. 1 point.
The second is to renew the business insurance policy, and the same documents as above are required to be provided. Although, in this case, only a copy can be made, the copy has the same effect as the original when the claim is processed.
Speaking of this, some friends may have such questions. What should I do if the policy is reissued? In fact, even if auto insurance occurs during the re-submission of the insurance policy, auto insurance claims are not affected by the loss and replacement of the insurance policy. The vehicle owner can obtain corresponding compensation in accordance with the law or the insurance company. And as long as the owner brings together the documents and related information, the replacement procedure can basically be completed on the spot, so this concern is redundant. In addition, although the replacement is not complicated, the auto insurance policy should still be properly preserved, and it is better to store it separately with important documents such as identity cards and driver's licenses.
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