After the formal implementation of the Electronic Signature Law on April 1 2005, various insurance companies began to sign electronic insurance policies one after another, and electronic insurance policies appeared in the insurance industry. Electronic insurance policy refers to the electronic certification document issued by the insurance company to the insured in the form of data message, which proves the contractual relationship of commercial insurance. It is an electronic substitute for paper insurance policy.
Insurance Law, Contract Law and Electronic Signature Law stipulate that electronic insurance policies and paper insurance policies have the same legal effect:
Article 13 of the Insurance Law stipulates that "an insurance policy or other insurance certificate shall specify the contents of the contract agreed by both parties. The parties may also agree to specify the contents of the contract in other written forms ";
Article 1 1 of the Contract Law stipulates that "written forms refer to forms that can tangibly express the contents contained in contracts, letters and data messages (including telegrams, telex, faxes, electronic data interchange and e-mails)";
Article 4 of the Electronic Signature Law of the People's Republic of China stipulates that "a data message that can tangibly express its contents and can be accessed at any time shall be regarded as a written form that meets the requirements of laws and regulations".
Electronic insurance policy and paper insurance policy have the same insurance claim effect. The standard of claim settlement has nothing to do with the type of policy; The focus of claim settlement is whether the information needed for claim settlement is complete; Whether it is an electronic policy or a paper policy, the insurance contract will clearly inform the claim conditions and procedures.
02 1 Not all auto insurance policies are electronic, and some insurance companies still provide paper insurance policies.
After successfully applying for auto insurance, if the insurance company only provides electronic insurance policies, but not paper insurance policies, the owner can make a request to the insurance company, or log on to the official website or APP of the insurance company to download and print the insurance policies. For the specific operation process, you can call the insurance company for telephone consultation. It is worth noting that electronic insurance policies have the same legal benefits as paper insurance policies.