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.