"I heard that in Latvia, insurance companies refuse to pay compensation in the event of a car theft if the owner accidentally left the vehicle registration certificate in the stolen vehicle. Is this really true? And does this mean that the car owner must take the registration certificate with them every time they leave the car?"
Insurance companies typically stipulate that in the event of theft, the insurance compensation is either not paid or reduced (for example, by 50%) if:
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the owner of the vehicle or a person using the vehicle under a power of attorney cannot present the vehicle registration certificate, ignition keys, remote controls for the anti-theft system, and keys,
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if the aforementioned items were left in easily accessible places,
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if they were handed over to a person who stole or destroyed the vehicle.
This is a standard rule, from which it follows that the vehicle registration certificate should not be kept in the car at all.
If you are traveling abroad in your car, where all documents must be with you, they should also be stored in places that are maximally protected from the risk of loss or theft — for example, a waist bag that you always carry with you, an inner pocket of your outerwear, etc.
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