You can insure yourself very well, but in some cases you will have to contact someone else to recover your damages. When damage occurs to cars, the question of responsibility often arises. Which of the directors can be held liable for the damage caused? Or is the road manager liable? Another example is a house fire at your neighbors. If the flames spread, who will be responsible for your damages? In daily life it is useful to take out legal expenses insurance. This insurance pays the legal costs in certain disputes. According to the insurer, this must be a case in which they see opportunities to win a legal battle. They are not going to bear the costs for an unfeasible case.
Who will pay for my fire damage?
In the event of fire damage to your home, you must always contact your own fire insurer. You must do this immediately after the damage has occurred. If you live in a rented house, you must immediately inform the landlord. The landlord will also immediately contact the insurer. The insurer may send an expert and a company specialized in cleaning the house (salvage). If possible, the insurer will recover the damage from a guilty third party, but this is usually not possible. You as the insured must leave the recovery to the insurer.
Who pays for my car damage?
Who pays for car damage depends on who is responsible for the damage caused. In the event of a collision, it is often easy to identify the perpetrator. The car insurer will reimburse the damage if it is caused by its insured. The extent to which the perpetrator is also compensated for his own damage depends on the coverage of the insurance policy. With third-party/casco insurance (all risks), the insurer also reimburses the damage suffered by the own insured, if its own insured has caused the damage. Third-party insurance and third-party liability insurance do not reimburse the insured’s own damage.
Who pays for damage caused by children?
Damage caused by children is covered by liability insurance for private individuals (AVP). This insurance covers damage caused by the actions of one of the family members. Intentional damage to small children is also covered. For example, a 5-year-old who scratches a car with a stone is covered. The child cannot yet realize that he or she is not allowed to do this.
Who pays the medical costs?
In the event of an accident, in addition to material damage, you can also sustain personal injury. The resulting costs are covered by health insurance. It may be possible to receive compensation from the perpetrator for the suffering you have undergone and for other costs.
Who pays for wrongful death?
After death, the death benefit and funeral insurance pay out the insured amount. In principle, it does not matter how the insured person died. The insurer pays the amount to the surviving relatives or to someone else who is described as a beneficiary in the insurance. An exception is death by suicide. Insurers often include in their term life insurance policies that they will not pay out in the event of suicide within two years after taking out the insurance. In the event of murder by the beneficiary, the insurer will not pay out to this beneficiary. In that case, the payment can still be made, but to a different beneficiary.