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Compensatory damages in private liability
Compensatory damages in private liability insurance refer to damages that arise when someone helps another person voluntarily and free of charge and unintentionally causes damage. A typical example is when you're helping a friend move and accidentally damage a valuable item. In such cases one speaks of compensatory damage.
Traditionally, many private liability insurance policies did not cover this type of damage because it was viewed as part of the act of courtesy rather than a regular liability risk. However, many insurers now offer specific clauses or additional options to cover courtesy damages. It is advisable to check the insurance conditions carefully and, if necessary, consider extending the insurance cover if you regularly help in such situations.
Summarized:
1. **Definition**: Damage that arises from gratuitous acts of kindness.
2. **Example**: Damage to an item while a friend is moving.
3. **Insurance Coverage**: Not traditionally covered, but many modern policies now offer additional options.
4. **Recommendation**: Check insurance conditions and add extensions if necessary if such situations occur frequently.
📆 Online appointment booking:
https://www.terminland.de/leikam-vers...
Nico Leikam
Im Reil 8d
55262 Ingelheim am Rhein
📞 0170-2787835 / 06132-6599461
📧 [email protected]
💻 https://www.leikam-versicherungsmakle...
Disclaimer:
The author/speaker assumes no liability for the topicality, correctness, completeness or quality of this information. Liability claims against the author relating to material or immaterial damage caused by the use of the information provided or by the use of incorrect and incomplete information are generally excluded to the greatest extent permissible. The video in no way constitutes or replaces professional advice.
#insurance #health #healthbenefit #healthinsurance #pkv #healthcare #money @insurancesimplerclarification
Traditionally, many private liability insurance policies did not cover this type of damage because it was viewed as part of the act of courtesy rather than a regular liability risk. However, many insurers now offer specific clauses or additional options to cover courtesy damages. It is advisable to check the insurance conditions carefully and, if necessary, consider extending the insurance cover if you regularly help in such situations.
Summarized:
1. **Definition**: Damage that arises from gratuitous acts of kindness.
2. **Example**: Damage to an item while a friend is moving.
3. **Insurance Coverage**: Not traditionally covered, but many modern policies now offer additional options.
4. **Recommendation**: Check insurance conditions and add extensions if necessary if such situations occur frequently.
📆 Online appointment booking:
https://www.terminland.de/leikam-vers...
Nico Leikam
Im Reil 8d
55262 Ingelheim am Rhein
📞 0170-2787835 / 06132-6599461
📧 [email protected]
💻 https://www.leikam-versicherungsmakle...
Disclaimer:
The author/speaker assumes no liability for the topicality, correctness, completeness or quality of this information. Liability claims against the author relating to material or immaterial damage caused by the use of the information provided or by the use of incorrect and incomplete information are generally excluded to the greatest extent permissible. The video in no way constitutes or replaces professional advice.
#insurance #health #healthbenefit #healthinsurance #pkv #healthcare #money @insurancesimplerclarification
2 ماه پیش
در تاریخ 1403/03/03 منتشر شده
است.
70
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