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AUTO INSURANCE

LIABILITY INSURANCE: Definition, Benefits, Rates, Companies?

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Disability insurance
Germany-heavy article This article or sales shows that the situation in Germany is. Help to describe the situation in other states.
The disability insurance (short interruption insurance ) in addition to the accident insurance the most famous branch of the disability insurance . They can be used as supplementary (additional disability insurance, BUZ) to a life insurance or annuity be completed or as a separate disability insurance (SBU).

In general, with the term "disability insurance" private insurance referred to; However, there is the concept of " disability "in the context of the statutory pension insurance . However, these attacks only for those born before January 2, 1961, and under defined conditions with low powers. Is now considered a very limited protection under the For all other disability . For statutory pension insurance, this is always determined by the residual capacity on the general labor market, the conceptual existence of disability (as defined by the insurance private sector) often is not sufficient. Even well-trained workers or highly qualified may be referred to this simple auxiliary activities, unmindful of the fact whether they are actually employable in such an activity. In case of lack of employability results instead of a basic security (equivalent to the welfare / Hartz IV level), only the unemployment benefit II . [1]

Generally people can draw a hedge of disability into account who do a job that provides them or other maintenance or which they do without charge, would be to replace in case of failure without (high) expense. For example, the hedge of a Housewife possible.

Health insurance
The health insurance is a subgroup of health insurance , both as part of the private health insurance as well as the General Social Security Act Medical Insurance (in Austria ). As part of the General Social Security Act in many countries, travel insurance cover applies in the case of illness in terms of a bilateral social security agreement between countries. An international health insurance typically covers costs of acute onset of physical illnesses, operations, necessary medicines and remedies, dental treatment or the medical repatriation from vacation land. Standard policies usually cover a period of six weeks. To be differentiated from the health insurance policies that insure abroad from three months. [1] abroad health insurance are often also as additional services of credit cards , memberships in automobile clubs or supplementary health insurance offered.

Although the statutory health insurance covers within the EU part of the cost, if it comes to illness. But a large part of the costs must still pay insured itself, such as when a transport back to the home is medically necessary. Stiftung Warentest has tested 2013 40 deals for travel health insurance in May. Around one third of the tested rates received by the consumer organization, the test verdict Very good . The testers do, however, indicate that in particular the chronically ill must be aware that the insurance only covers emergencies. [2]

A special place among the travel medical insurance takes a long-term travel insurance to up to 5 years maximum duration allowed, depending on the insurer. Many long-term travel medical insurance offer in addition to regular checkups also cover the costs of births and insurance coverage during working hours, which in turn want in people who not only travel abroad, but also to work with is important. A large price gap in insurance contributions there, when Canada and the USA are given as a tourist destination since the North American health care system is considerably more expensive than in all other countries.

Personal Liability Insurance
Germany-heavy article This article or sales shows that the situation in Germany is. Help to describe the situation in other states.
The private liability insurance is a form of liability insurance . It secures the private policyholder and his family, including any domestic workers (the latter as far as working for the household) against claims by third parties within the agreed amount of cover. Since the liability is just basically not limited to a private person under German law, is the importance of personal liability insurance and adjusting their insurance amounts for individuals on hand. Personal liability compulsory insurance is, in contrast to motor vehicle liability insurance not compulsory but voluntary insurance. The name is derived from the statutory obligation to replace a loss incurred in accordance with § 823 BGB from.

Keepers liability insurance
The keeper liability insurance protects the pet owners within the agreed sums insured against damage claims by third parties against him, which may result from its livestock. Basis for a claim against the pet owner is especially § 833 of the Civil Code , which states that a keeper for harm caused by his animal, without any fault liability can be made.

The keeper liability insurance is mainly for owners of larger animals (eg. dogs or horses ) is important because smaller pets in the private liability insurance are included. A keeper liability insurance covers

Personal injury (eg. B. pain and suffering, medical expenses after a bite)
Damage to property (eg. Example a dog destroys the expensive shoes of a guest)
Financial loss as a result of injury or property damage. [1]
Some insurers include dogs of certain breeds , or collect for increased contributions. This mainly concerns the so-called fighting dogs , because they represent a particular risk. Moreover, the insurer does not cover certain types of damage from, for example, if the holder the Maulkorb- or leash not comply or the holder itself is damaged. The Tierhalterhaftplichtversicherung covers not only the direct damage, but also court and legal costs, and thus is already in areas of legal expenses insurance .

Holder of fighting dogs are required in almost all provinces to special protection measures, such as the pet owner liability insurance. A dog insurance is divided into the following areas: medical and surgical expense insurance, dog owners legal protection and liability insurance for dogs. Mandatory is a liability insurance for dogs only in some cases under state law ( state dog laws ) and only for each different parts of the dog population. In 2013, the insurance is compulsory (for dogs of any kind) for the states of Hamburg, Berlin, Lower Saxony, Saxony-Anhalt and Thuringia. [2]

For these five states, subject to legal Dogs liability, is that a dog must be insured in the period of 3-6 months. In addition, apply for many federal states, both the Maulkorb- and the leash.

Specifics of Dogs liability insurance
Regulation by State
See also
References

Public liability insurance
The public liability insurance (common abbreviation in Germany: BHV) covers the liability risks of traders and industrial companies, professionals and craftsmen. Sometimes there is a legal duty to provide financial security for this group of people.

Benefits from the insurerEdit

The insurance covers the exemption of the policyholder of justified legal claims by third parties on damages . It also includes an assessment of whether and to what extent these claims are justified and the defense of unfounded claims. As far as the liability insurance is a passive legal expenses insurance : the cost of the audit and legal protection wears regardless of the agreed in Germany sum insured of the insurer. The insurance cover applies only for looking at, any damage claims, not on those that are directed to the fulfillment of contractual obligations or have other objectives such as information or the omission of certain acts of the subject.

The insurer shall pay regularly to the victim, not the policyholder. This is not about his exemption claim against the insurer have (§ 156 I VVG). Only if the claim for damages is extinguished as by set-off or power, a power to the policyholder can take place. This plays in division of labor, production processes, particularly about the construction industry about offsetting a large role.

Scope of insuranceEdit

This insurance policy in addition to the individual companies and the carrier society the people who manage a business or an establishment (§ 102 VVG) and all other operating members (employees). During the exercise of their professional duties for the employer With the protection of the liability risks of employees working legal indemnity bill which is supported at the same time. Not subject to the claims of the insured against BHV are dependents or dependents of each other. In Switzerland also claims of dependents are insured under another, in Germany this is also covered in many different insurance coverage concepts. When a work accident , the statutory accident insurance covers the damage of the employee, whereby the liability claims against the offending employer or colleagues to compensation for personal injury to the extent of Accident insurance benefits are considered paid. For freelancers and contractors for commercial insurers regularly restrict their obligation to the liability of the principal and close the liability of the subcontractor or (holiday) representative from explicitly: this is to ensure themselves for appropriate provisions. After conclusion of the insurance contract adventitious risks are on the pension insurance covered provisionally, but require a final inclusion.

Exclusions and inclusionsEdit

The "General Liability Insurance Conditions" are altered by industry standard "special conditions" over wide areas, mostly in favor of the policyholder. For all business customers clauses (as well as building land) must as occurring abroad to damage or those in their custody contained things are included. Also rules to activity damages are regularly changed in favor of the policyholder. About between the various stages of production standard agreements for quality assurance, the commercial law offered input control of the buyer on the supplier is often shifted back who sees himself exposed to increased liability risks. Also, such "over legal liability commitments" are covered by insurance. However, since each operation has an individual need for hedging purposes only professional information may ultimately provide security here. This offer not only the insurers themselves (via Directorate Agents, agencies and other external service) to numerous banks and often specialized to individual professions Insurance.

Significant exclusions are of pure economic loss and compliance requirements:

Pure economic loss is damage, which killed or injured a person not a thing is still destroyed or damaged. So one thing defective newly produced is not damaged, and the rising in their ingredients may be destroyed due to their uselessness. The further manufacturing expenses as well as lost profits and disposal costs a mere property damage. Pure economic loss are indeed regularly insured public liability insurance, but with the regular exception of those who are due to delivery or performance of the policyholder.

Claims for performance of contracts or taking their place claims are any claims for damages and in AHB point. 1.2 of clarification excluded.

Public and product liability insuranceEdit

Who not only provides products for final consumption but produced, is exposed to the risk that its products via direct cause damage beyond financial losses that are not sufficiently protected by a "conventional liability insurance". Such damage may be in vain spent further processing or manufacturing costs as well as in the cost of replacement or even product recalls caused by errors of individual components of the final products. Such risks are hedged over the "conventional liability insurance" only for the insured persons and property. Reliable protection provides only for such commercial producers intermediate product liability insurance .

The professional indemnity insurance is a liability insurance for specific professions , the possible failure by consulting an increased risk of causing property damage have. These include lawyers ( professional liability insurance for lawyers ), tax consultants , architects and engineers , trustees and physicians, as well as an interpreter / translator. Therefore, should in this context instead of a professional liability actually of a pecuniary damage liability insurance of the question.

A public liability insurance can be completed either on its own as well in addition to a "real professional liability insurance". However, a public liability insurance makes sense in contrast to the professional liability insurance only for the protection of a company. They insured the company against financial losses, which are caused due to damage or injuries. Additionally, damages caused by the sole negligence of an individual employee covered. Therefore a liability insurance provides financial protection to persons and damage to property and for property losses (eg. Acquisition failure). [1]

In order to distinguishEdit

Professional or financial loss liability insurance
A lawyer contains a client out of ignorance before important details. Subsequently, this suffers a financial loss and makes this the responsible legal advice. In this case, the statutory property damage liability insurance would take over.

Professional or business liability insurance
In a law firm, a client slips on the freshly cleaned marble floors and sustains an injury. According to § 823 BGB, the lawyer would also be in this liability. If present, the liability insurance of the lawyer would defend or take the damage.

Overlap in terms of the tariff, the insurerEdit

In practice, it often leads to a confusion of terminology: In contrast to an extensive craft business could be a single self-employed craftsmen will call such a cover colloquially still as professional liability insurance. Partial take the insurer from this problem out before not once even a correct distinction. Often refers to a liability insurance policy in the policy conditions themselves as operating and professional liability insurance.

Compared to insurance, in which you can decide freely often, whether they flush, subject specific professional groups of insurance. Thus must not pursue his appeal without having first completed a professional liability insurance a lawyer. It does not matter whether the profession is carried out as part-time or full-time employment.

Property damage liability insurance
The professional indemnity insurance is a professional liability insurance for all individuals and companies in which a profession providing real financial loss - usually not personal or property damage - a result. This mainly affects workers from the service sector , the foreign professional reasons financial interests perceive and provide advice, begutachtend, checking, managing, vollstreckend, beurkundend and / or regulatory leader working for others. Target groups are, for example, architects , lawyers , tax advisors , notaries and doctors .

The property damage liability insurance provides protection against so-called real financial losses. Basically, financial losses are even in private liability insurance insured, but usually at a much lower sum insured as to persons and property, because it can hardly be real financial losses as a result of private sector asset management duties can come. This is because in the private sector usually only of § 823 para. 2 BGB covered loss or injury occur ( improper pecuniary loss ).

In the insurance industry, therefore, is the inclusion of pecuniary damages in personal liability has long been controversial. However, different in the case of property damage liability insurance for professional reasons. Here come real financial losses often, the liability is due to the breach of contractual duties of care . These are damages that are still damage can not be assigned to persons, and do not derive from these.

The property damage liability insurance thus regulates reasoned liability claims and defends against unfounded liability claims. The defense against unjustified claims in the liability area is called passive protection function. The property damage liability insurance for occupational groups with asset-based due diligence (eg lawyers, experts, managers of condominium communities, notaries, accountants) of considerable practical importance, since even an alleged professional oversight can jeopardize the livelihood of the person concerned.
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In the professional indemnity insurance is referred to as violation principle . That is, financial losses are usually not immediately visible, but appear only after some time to light. This is reflected in the professional indemnity insurance bill. insured event here is not the loss event (occurrence of financial loss) or filing a claim (assertion of the loss by the victim), but the violation (the professional oversight) that may lead subsequent liability claims for.

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