Insurance Does Not Replace The Power Of Attorney

How often ordinary motorist thinks, what he needed power of attorney for driving a car? No, that will tell his nearest traffic police post, if it suddenly does not submit. And in general: Why do I need this document, handwritten owner of the car? In most cases, does not think: we must - write and go. Demand - shall present. So it is accepted, there is something to think about. Well, at least it is not necessary to certify the notary.

And yet with the advent of this insurance document, by and large, I lost the last point. Who already had a little, especially after the advent of electronic databases in the traffic police, if the machine is not stated in the hijacking, then the driver drives it legally, and there is no reason to require more and authorization. So it is accepted throughout the world, but for us it is too much freedom: everyone must prove that he is not a camel, and the car is not stolen. With the advent of CTP to prove this in fact was enough policy: because it listed all the citizens who trust the owner of the car driving right.

So reasoned the two State Duma deputy from the LDPR, Igor Lebedev, and Sergei Ivanov, and wrote an amendment to the law on providing replacement power of attorney to manage vehicle insurance policy. It is not a general power of attorney shall be certified by a notary public and gives the right, including, sell the car, but only about power of attorney to manage. "The owner of the vehicle insurance contract specifies the persons allowed them to control the vehicle, that is, in fact, indicates the persons to whom he gives the right to use" - write the deputies in the explanatory note to the bill, and added that the responsibility for driving without policy above than for driving without a power of attorney: a fine of 300 dollars and 100 dollars, respectively. And why do we need an additional document, if the policy is written, that liability is insured, which means that the citizen has the right to control the car.

It would seem that everything is logical, but the government has written a negative review on the bill, and the Committee on Financial Markets of the State Duma on January 18 recommended the lower house of parliament to reject it on formal grounds: not one law deputies propose to make changes. The arguments of the government deeper. Firstly, the insurer is not the owner of the vehicle, and therefore can not confirm the powers of citizen management.

 Moreover, the Government considers that by approving the replacement of the power of attorney by the insurance policy, it will impose on insurers' non-core functions to verify the legality of the transfer of rights to use reason. " Based on the logic of the government, if it is no one checks written out the legitimacy of the power of attorney, the law inscribed in the insurance policy will have to check the names. Maybe this is the logic, but some are very bureaucratic, inaccessible to the ordinary citizen. For example, all the same law will replace the authorization policy or not, and their views on this issue they do not have. Indeed, the case of the insurer in this case - the party, he was not concerned citizen who trusts his car. In contrast to the government.

The impact the government's argument, however, is not even "uncharacteristic" burden on the insurance companies, and trailers that insurance policy is not allowed. If you replace the authorization policy, trailers will remain outside the law: to manage them will not be anyone other than the owner. What if someone wants to steal the trailer? What about law enforcement? Really it is necessary to punch numbers through the database? It's time-consuming, and is it possible to allow controlled trailer without a warrant? Well, what if there are documents - can they fake. So what that the hijacking of a trailer is not declared - you may have forgotten.

Another argument against the insurance policy replacement attorney - power of attorney indicated passport data and address registration and the owner of the car, and to whom he entrusted the management. This is extremely important in a country where at the entrance to any institution must present a passport.

Negative feedback on the bill says more than any error of Deputies or not they belong to the party. The government is not prepared to actually take the presumption of innocence: every citizen should first demand the authorities to prove that he is not a criminal, and did not steal anything. E-government in its utilitarian sense - as a large database - this is not an assistant: the burden of proof rests with each citizen, so he has to carry a pile of documents.