Legal norms of proxy signature;

According to the Notice of China Insurance Regulatory Commission 133 on Issues Related to Regulating Personal Insurance Business Behavior, if the applicant needs the consent of the insured before concluding or changing the insurance contract, if the insured designates or changes the beneficiary, it must be confirmed by the insured's autograph, and no one else can sign it.

If the insured has no or limited capacity for civil conduct, it shall be signed by his guardian, and shall not be signed by others. If the applicant and the insured are unable to sign due to physical reasons such as disability, their designated agents shall sign.

According to the provisions of the insurance law, there are mainly the following situations that require the consent of the insured.

1. To buy death insurance for others, the insured must agree and recognize the insurance premium in writing. According to the insurance contract, after the insurance accident, the insurance company will calculate the amount of compensation after examination according to the loss degree of the subject matter and the insurance liability. Well, parents who insure their minor children are not subject to this restriction;

2. The transfer or pledge of death insurance policy shall be subject to the written consent of the insured;

3. The designation or change of beneficiary by the insured shall be subject to the consent of the insured;

4. To insure a third party with illegal marriage, consanguineous relationship, maintenance relationship, maintenance relationship and maintenance relationship, the consent of the insured shall be obtained.

When claiming from the insurance company, the claimant needs to produce many documents, and the claimant also needs to sign the corresponding documents. However, due to various reasons, it is impossible to sign, and the claimant's family intends to sign on his behalf. So, do insurance companies have to sign in person when making claims?

It is best to sign it in person. If it is really impossible to sign it, you can apply for signing it on your behalf.

Moreover, when the insurance company claims, the responsible party may not be present himself. You can go in person or entrust others to go. Before going, you can bring complete claim information (traffic police certificate, copy of driving license and driver's license, loss list, repair invoice and list), including bank account information and copy of ID card, or entrust others to submit it to the insurance company.

Nowadays, many insurance companies have introduced the process of quick claims settlement, and claims can be settled without being present in person. The insured shall submit the necessary documents of the accident to the insurance company within 10 days from the date when the public security traffic management department closes the case after the accident. After submitting all the documents of auto insurance claim, the owner has basically completed the auto insurance claim process and can wait for the insurance company to receive the auto insurance claim notice.