Liability insurance damage

Anyone who causes harm to others through an accident or mishap is financially covered by private liability insurance. Even in the case of unauthorized claims, personal liability is at the side of the insured. But what should policyholders pay attention to when it comes to damage? How must the damage of the liability insurance be reported and what documentation requirements exist?

Report any damage?

If it comes to a damage, it makes sense first to examine whether this must be handled at all over the liability insurance . If the damage is minimal or if the insured has agreed to a deductible , it may be advisable to pay for it yourself. For example, if the football lands in the garden, the ball lands in the window of the neighbor, the cost of the Glaser may be less than an agreed deductible of 200 €.

In addition, it is possible that the liability insurance announces Customers report more damage caused. If there is only a small amount of damage, it is therefore advisable to handle it without the insurance.

Tip: Not only the insurer may terminate the insured after a claim. Even the customers themselves have a special right of termination after a loss has been regulated. If, for example, they are dissatisfied with their liability insurance services, they can cancel their claims settlement within one month of receiving the information.

Proceed with damage insurance with liability insurance

If the property damage is cost-intensive, for example, if people have suffered bodily harm as a result of their own behavior, the liability insurance must be informed immediately of the damage. Policyholders should not make payments to the injured party without consultation with the insurance company. Instead, it is up to the insurer to review the damage or compensation claims and, if necessary, to regulate them . If the insurer determines that the claims for damages are not justified, the company will refuse them for the insured. He does not have to worry about anything.

How should damages be documented?

In case of property damage, it is recommended to document the nature and extent of the damage by means of photo or video recordings. At times insurers demand that nothing be changed in the circumstances , so that an appraiser can give their own assessment if necessary.

However, this is not always possible. So you can not ask the damaged neighbor from the example above, that he does not eliminate the broken glass and at least makeshift replace the window. The situation is different when, for example, the expensive camera of a friend has been dropped and thereby destroyed. In this case, the insurance company may demand that the damaged device be sent in or taken to a verifier.

In addition to the image and video documentation, it is recommended to look for witnesses in case of personal injury. For example, if you have caused a traffic accident as a pedestrian, the testimonies may indicate that you are not alone in blaming. In such a case, the costs will be allocated to the different parties – or their liability insurers – according to the extent of the partial debt.

In the case of default coverage, proof is in your own interest

Some liability insurance tariffs include so-called default coverage . This comes into play if the insured is the injured party himself, but the polluter can not pay for the damage incurred nor has his own liability insurance.

However, the insurer usually only pays for default coverage if there is a final enforceable title or a notarised acknowledgment of debt. Therefore, it is particularly important for policyholders with this additional protection to document the damage as well as possible.

How To Get A Little Loan Of $2500 Right Away!

Payday Loans

A one thousand payday loan via can help when living throws some unexpected events that require immediate attention. These types of loans offer the consumer $1000 loan for anything that vegetation up. Many times payday is definitely two weeks away and you require the cash now. This payday loan can bridge the distance until payday arrives. This particular alleviates much stress plus worry from the consumer, understanding they have a place to turn to obtain a fast cash advance.

Ten dollar pay day loans are provided to you too for your amount ranging from 10 bucks to 1500 dollars. The particular repayment duration of these financial payday loans is of 14 to thirty-one days. It is advised for you to repay the borrowed quantity in the prescribed time. Or else, it will cost you a lot in the form of additional charges as a penal charge. The rate of interest on these types of loans is higher than another normal loan. You can get an affordable deal through market research.

Loan companies would directly get these problems as delinquencies and would report to credit reporting agencies. This is where your problem will start. payday loans After the bureaus are aware of your lack of ability to pay, your credit score be might be rated negatively.

Among the best features of online payday loans is that you no more have to drive to a payday loan store

You can apply on the web and get the cash deposited within your checking account the next day. If you have the “bill pay” feature in your checking account you could literally settle payments with your short-term loan as soon as you have the money.

If we program well and pay back the particular loan on time, payday loans could be very beneficial for us. In the case we have been unable to pay the mortgage back as soon as possible, we can just get some loan roll more than or extension. But to prevent getting caught in an aggressive circle of recurring financial debt, it is more advantageous to repay the loan on time.

Dealing with debt the particular bankruptcy way carries probably the most damage to your credit score. Having financial debt “charged off” or “paid as agreed” are both downsides which will stay on your record for seven years. The particular creditors involved with the personal bankruptcy will also be labeled as such.

The terms and conditions for trying to get 3-month payday loans will also be easy. If you age is definitely 18 or more then you meet the criteria to get the debt. On the other hand, you have to be a citizen of UK; nevertheless, some schemes for people who came from abroad can also be observed in the loan market. However, repayment terms are also versatile. Borrowers can also apply for the particular increase of repayment timeframe if they are unable to repay the total amount on time.

Check here more news of Málaga.


Check here more news of Málaga

This is stated in a stage order of the Chamber that will be in charge of prosecuting this case, to which Europa Press has had access, in which it is estimated that the sessions will begin on April 9 and the forecast for now is that the end of the trial in January 2019. However, the attorneys can present arguments about the dates.

The Court of Instruction Number 2 of Marbella agreed in February 2015 the opening of oral trial against 14 people accused in the case ‘Hidalgo’, in which the first arrests occurred in April 2007 and the two main investigated, the person responsible for the law firm Cruz-Conde and a businessman of Iraqi origin, have passed away.

The Anticorruption Prosecutor’s Office accused these 14 people in 2013 for which it initially requested, in its brief of provisional accusation, about 1,000 million euros in fines and more than 170 years in prison in total for crimes against the Public Treasury and money laundering, besides contemplating indemnifications in favor of the State.

Thus, in the fiscal qualification, the public ministry established that the aforementioned law firm, located in Marbella, provided the client who demanded “the precise corporate structures to hide both the ownership of the assets and funds to be invested in Spain and the origin thereof”. Among the defendants are several lawyers from that firm.

Among the formulas used, there was a Spanish mercantile – a limited company – that appeared to be owned by an entity located in a tax haven – Gibraltar, Panama, the British Virgin Islands, and so on. Other times, a one-person limited liability company was created, whose owner was another entity of a tax haven – Netherlands Antilles – according to the prosecutor.

The investigation revealed, according to the Prosecutor’s Office, the existence of “a certain number of clients who have used the system of concealment of funds designed by the aforementioned law firm to avoid compliance with their tax obligations before the Public Treasury. Spanish, omitting the payment of taxes that were required “.

“The purpose pursued by the clients was known by the members of the office, which did not prevent them from lending themselves to collaborate with them in the constitution of these companies, used as a cover, to hide the criminal origin of the money invested in Spain. , so that formally they could not be linked the funds with their real owner, as in the own management of the illegally invested fonos “, according to the public prosecutor.

Moreover, it is alluded to that, in other cases, “the funds to be concealed derived from criminal activities, a fact known to the defendants referred to, among other things because, for certain clients, it was they who had designed the fraudulent strategy against the Treasury. Spanish”.

In any case, “the defendants, representing the possibility that the funds to be invested were the product of the criminal activities of some of their clients, accepted, nevertheless, to provide them with concealment mechanisms for this purpose, assuming their collaboration in the cover-up. of the origin of the funds and the identity of their true owners “.

Another of the formulas with “fraudulent intent” was the figure of shareholder loans, which “do not really respond to this form of contribution”. In the declarations-liquidations presented by one of the entities investigated, relating to Corporate Tax, it was used as an operation to disguise what are simple contributions of capital by the partners in the form of alleged participative loans, according to the Prosecutor’s Office.

“Through this scheme will be generated, artificially, a series of deductible tax expenditures, arising from the alleged payment of interest to the various entities borrowers, owners of social capital, by reason of the loans granted to society,” as argues the fiscal ministry in its provisional conclusions.

According to Europa Press reported judicial sources, some complaints have been filed individually


-some of them are filed-and others collectively, as is the case of 20 of those affected. In turn, other procedures do follow their course and have already begun to request tests. In fact, on May 24 the Court of Instruction number 4 has cited to declare one of the complainants.

These complaints cover the crimes of fraud, misappropriation and forgery of signatures, being in almost all cases the same ‘modus operandi’. There are affected from other provinces such as Seville, Cádiz or Badajoz and other places in Extremadura.

In fact, last February more than 50 people in Huelva formed an association called ‘Affected by Mandi Motor SL’ to denounce this alleged scam.

At that time, the president of this association and alleged victim, Juan Carlos Martín, explained to Europa Press that he bought a car “that I could never put on my name and that it was full of defects, because I could hardly drive with him”. “I agreed to return it with the commitment that the entrance money would be returned, but I am still waiting to collect it,” he said.

He reported that he published his case on the social network Facebook, and as a result, many people from Huelva and other Andalusian provinces contacted him about similar cases. “Most of the cases are characterized by the fact that the cars were never transferred to their owners, because they paid credits with financial entities that were processed from Mandi Motor, and the buyers stayed with the vehicle irregularly, because the change of ownership never came, “he explained.

“In other cases there are people who are paying credits they have not acquired or authorized for the purchase of vehicles they have not made,” he added, at the same time regretting that “there are many families very concerned about dealing with these bank loans, because almost all the people affected are of humble origin. “

For its part, Spy Research sources told Europa Press that in this alleged scam “are involved in private purchases, agencies and even well-known official dealers.”

“The owner of the company and the author of the scam resold the same car to four different people, committing up to four frauds in the same operation,” they added. “In another case, four people had a car accident, and since the driver is not the real owner of the vehicle, they have to face the insurance payment,” they said.


In fact, a few days later, in the month of March, officials of the Provincial Police Station of Huelva detained four people, identified one of them, MMB, as alleged mastermind, for an alleged crime of fraud, forgery and misappropriation allegedly committed in a vehicle sales establishment.

Specifically, the investigation covered 28 complaints, 42 vehicles and the amount defrauded amounts to 350,000 euros, as reported by the Government Sub-delegation in a note.

The ‘modus operandi’ was based on the delivery of the vehicles on deposit by individuals or other commercials to the now detained for the exhibition, promotion and sale at his establishment, which were sold to other individuals in good faith to whom he was given provisional documentation with the argument of the delay in the proceedings. Meanwhile, those affected were given excuses not to liquidate the payment from the sale of their vehicle, money that the detainees appropriated.

However, individuals, after the succession of evasions given by the now detained, ended up discovering the situation of their vehicle either by management in the Traffic Headquarters, consultations on the Internet or by the management of fines.

The specialized group of the National Police initiated the investigation after the knowledge that both the establishment and the person in charge of the company had several previous complaints. In addition, the succession of the high number of complaints in a short period of time and the hasty closure of the establishment led to the conclusion that these were premeditated events in order to obtain the largest sum of money before the anticipated closure of the activity.

For the completion of the operation it was necessary to finalize four police reports, with the intervention of four vehicles with the collaboration of different CNP police stations, for the coordination and outcome of the investigation. Therefore, all of the reported vehicles were located in the hands of buyers who still did not have ownership of them and countless inquiries were made to the Civil Guard, Commercial Registry, provincial traffic chiefs and different managers.

Can I deduct the rent or mortgage on my income tax return?

  • The tax benefits for habitual residence, be it in rent or ownership, are usually the most important for the taxpayers in the declaration.
  • All the news about the Income Tax Return.
Atención presencial de Hacienda

In-person attention from the Treasury to prepare the 2016 Income Tax return. EUROPA PRESS

Mortgage, rent, housing reform … Whatever the case, when making the income statement of this new campaign it is necessary to check what deductions can be made in this matter. The tax benefits in this area are usually the most significant in the Personal Income Tax (IRPF) .

Should I declare the house?
Whether you own property or rent, be it first or second residence, it is mandatory that the Tax Agency be notified of all the properties in the declaration.

Live rent, do I have any deduction?
Here is one of lime and another of sand. Yes, there are deductions at the state level for rental housing, but not for everyone. If the lease contract was signed before January 1, 2015, this concept may be deferred, provided that the other requirements are met: having declared the property in the previous fiscal years. And, on the other hand, do not enter more than 24,107.20 euros per year. The amount to be deducted will be 10.05% of the amounts paid, limited to 9,040 euros, which is equivalent to a maximum of 908 euros (depending on the income of the declarant).

In addition to the state, are there deductions for rent in my region?
Yes. According to which autonomous community you live in, you will have or not tax benefits for lease of habitual residence that are compatible with the state deduction. Many of them are limited to the age of the tenant and have, like the state, cap of income to access it.

And the mortgage?
It happens the same as in rent, there are also deductions … but not for all taxpayers. Those mortgaged after January 1, 2013 can not deduct this concept, but in case you ask the bank for a mortgage for your home before this date you can benefit, provided that in campaigns of the Rent prior to 2013 you had declared . The deduction is 15% on the amount of the mortgage, with a limit of 9,040 euros. The maximum deduction you can apply is 1,356 euros.

They have returned money to me for the ground clauses, do I have to declare it?
The Tax Agency has decided to 'forgive' this exercise the amounts reimbursed by banks for the collection of more mortgages with floor clauses. If you are one of the compensated by the banks (and the refund has been in cash) you should not include it in your tax base. However, if in the last four years you have had tax benefits for said mortgage, you will have to return the excess of the deduction practiced by the Treasury. This will not be necessary in a complementary statement, just include the amounts in boxes 524 and 526.

I rent a house that I own, should I notify you in the rent?
If you have a house leased to someone who has it as a regular residence, the Hacienda gives you the right to deduct 60% of what you receive annually for rent. You can also take out other types of expenses such as insurance, Real Estate Tax (IBI) or community receipts.

Can I deduct a holiday home?
No. Hacienda only allows tax benefits for usual homes.

What if I do rehabilitation work in my usual home?
In order for the Tax Agency to carry out this deduction, the works performed must meet any of the following requirements: that the works have been qualified or declared as protected action in the area of ​​housing rehabilitation; or, on the other hand, that have for their object the reconstruction of the house through the consolidation and treatment of the structures, facades or roofs and other analogous ones, provided that the overall cost of the rehabilitation operations exceeds the limits established in the Regulation. of the Tax.

Can the deduction for the housing account be lost after its opening?
The declarant may lose the right to deduction in the following cases: 1) When he has the amounts deposited for purposes other than the first acquisition or rehabilitation of the habitual residence. In case of partial disposition, it will be understood that the amounts deposited are the first deposited. 2) The right will also be lost when the period of 4 years elapses to apply the balance of the account without having acquired or rehabilitated the habitual residence. 3) When the subsequent acquisition or rehabilitation of the home does not meet the conditions established in the law to be entitled to the deduction for acquisition of habitual residence.

Can the interest generated from a housing account be deducted?
No. The withholding corresponding to the interest paid in a housing account does not constitute an amount deposited in the same, but is deducted at the time of payment as payment on account of the tax, and consequently can not give right to deduction.

More information about:

  • Statement of income
  • Mortgages