A file is issued when a policyholder wants or needs insurance coverage. Suppose the owner of a landscaping company recently bought a truck and insured the vehicle as part of a new commercial self-policing. The directive has not yet been issued, so the owner needs a file to register the truck with the National Motor Vehicle Service. The file serves as proof that the truck is insured for the commercial civil liability of the vehicles. An insurance file is useful if insurance documents, such as the declaration page and contract text, are not immediately available.