Sufficient insurance cover is essential. This holds true with regards to property insurances (i.e. fire, residential building, contents and motor vehicle insurances, etc.), liability insurances (i.e. both personal and public or motor vehicle liability, etc.) as personal insurances (i.e. sickness allowance, accident, life and disability insurances, etc). Equally essential is, however, the timely payment of compensation by the insurance company in case of an insurance event; more often than not, such payment can be vital.

Equally essential is, however, the timely payment of compensations by the insurance company in case of an insurance event; more often than not, such payment is even vital. Therefore, we assist our clients as policy holders in claimingmaking their claim for an insurance event as plausible as possible in both factual and legal regards. This includes defence against wrongfully raised objections (i.e. breach of obligations, comparative negligence, etc) in order to enforce any claims in a timely fashion and without any deductions. The legal problems which tend to arise regularly in this regard, can be summarised with -, but limited to -, the following key points:

Disability Insurance / Occupational Disability Insurance (“”BU / BUZ”)
Application, possible references in case of disablity, restructuring, rescission and appeal due to breach pre-contractualof precontractual notification duty, medical expert’s reports, review procedures, etc.

Health Insurance / Sickness Allowance (“KV / KHT”)
Medical necessity of the treatment, mixed institutions, differentiation between hospital stay for rehabilitation health cure and rehabilitation, certificate of disability, restructuring, rescission and appeal due to breach pre-contractualof precontractual notification duty, etc.

Accident Insurance
Application, compliance with contractual deadlines, determination of the grade of disability, application of dismemberment schedule, amount and scope of compensations, review procedures, etc.

Building / ContentContents Insurance
Determination of the scope of insurance cover (what object is insured against which damage), amount and scope of compensations (“new value” clauses), calculation of compensations, obligations, proof and evidence, etc.

Motor Vehicle Insurance (Kfz-HaftpflichtversicherungKfzHaftpflichtversicherung)
Legal review of course of events in case of an accident, responsibility and evaluation of operational risk, downtime compensation, costs for rental cars, regress in cases of refusal to provide cover (Deckungsverweigerung), exclusion of risks, co-insuredcoinsured persons, etc.

Motor Vehicle Comprehensive Insurance (Kfz-KaskoversicherungKfzKaskoversicherung)
Scope of insurance cover, compensation claims, cases of theft, exclusion of claims due to drunkenness and/or hit-and-run, gross negligence, obligations, regress, etc.

Many of our long-term clients to whom we provide decisive advice and legal representation in the aforementioned matters are large insurance companies. This proves to incredible helpful to us, because also the policy owners we regularly represent, benefit from the vast experience we gained and stillcontinue to gain in this regard.