To buy insurance, you must sign in person! It is illegal to sign without my signature!

Legal regulations for signatures:

According to the China Insurance Regulatory Commission's "Notice on Issues Concerning Regulating Personal Insurance Business Behavior" No. 133, all matters requiring the consent of the insured are required in accordance with the provisions of the "Insurance Law" If the policy holder can conclude or change an insurance contract for him or her later, and if the policy holder designates or changes the beneficiary, it must be confirmed with the insured's personal signature, and no other person is allowed to sign on his or her behalf.

If the insured person has no capacity for civil conduct or has limited capacity for civil conduct, his or her guardian shall sign, and no other person shall sign on his or her behalf. If the policy holder or the insured is unable to sign due to physical reasons such as disability, the signature shall be signed by his or her designated agent.

According to the "Insurance Law", the insured's consent is mainly required in the following situations.

1． Purchasing death insurance for others must be subject to the written consent of the insured and the insurance contract stipulates that after an insured accident occurs, the insurance company will pay the amount calculated and reviewed based on the insurance liability based on the degree of loss and damage to the subject matter. Amount, parents who insure their minor children are not subject to this restriction;

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

3. The policyholder must obtain the consent of the insured to designate or change the beneficiary;

4. Insuring a third party other than yourself who does not have a legal marriage relationship, blood relationship, custody relationship, support relationship or support relationship must obtain the consent of the insured. :

When making a claim to an insurance company, the claimant needs to produce a lot of documents, and the claimant also needs to sign the corresponding documents. However, due to various reasons, he was unable to sign, so the family members of the claimant planned to sign on his behalf. So, does the insurance company have to sign in person when settling the claim?

It is best to be able to sign in person. If you are really unable to sign, you can apply for a signature on your behalf.

And both parties responsible may not necessarily be present when the insurance company settles the claim. You can go in person or entrust someone else to go. You can bring complete claim information (traffic police certificate, driving license and copy of driving license, loss assessment form, repair invoice and list) including bank account information and copy of ID card. Entrust someone else to submit it to the insurance company.

Nowadays, many insurance companies have launched a quick claims settlement process, and claims can be settled without the need for personal presence. After calling the police and surveying and assessing the damage after the accident, the insured shall submit the claim documents. The insured shall submit the necessary documents for the accident to the insurance company within 10 days after the public security and traffic management department handles the car insurance accident and concludes the case. After submitting all the car insurance claim documents, the car owner has basically completed the car insurance claim process and can wait with peace of mind for the insurance company's notification of receiving the car insurance claim payment.