Insurance in Germany
Insurance in Germany, third party liability is mandatory. Moreover, it is interesting that, assuming the existence of a number of unscrupulous people seeking to avoid the insurance liability of redress in case of accident and the responsibility on the driver sitting behind the wheel, and the owner. Of course, only if the person found guilty of the accident.
Another interesting point – the victim in an accident at the same time has the right to sue and to the person responsible for the accident and his insurance company. Moreover, such a claim to the insurance is possible, even if the company broke the contract with the perpetrator of the accident due to violation of contract terms.
The maximum discount for the break-even (similar to Russia's bonus-malus) in Germany can be up to 75% of the standard price of the policy, and the rise in insurance in the presence of a number of accidents could reach 260%. A curious fact about insurance in Germany is the ability to transfer discounts loved ones – spouses, children or parents, etc. After an initial transfer of the holder loses the discount on her right. Of course, it should be noted that each insurance company has its own conditions, but the discount can be transmitted to and from one insurer to another. Another thing is that the client can be either beneficial or not. Learn more about real estate albania!
The insurance amount:
љDamage to life and health of 2.5 million euros for a single victim and a 7.5 million euro for a few;
љHarm to property: EUR 500 000;
љIntangible losses (loss of pain and suffering, lost income, etc.) – 50 000 euros.
However, 9 out of 10 German insurers choose the level of coverage of 50 million euros or more.
There are many factors taken into account when concluding a contract of insurance. From the unusual to the Russian's eyes, we note the annual mileage cars, drivers account of sex, having children, etc.
As in other countries, insurance in Germany is characterized by the existence of a special fund (located in Hamburg), which provides payments for uninsured or not registered cars in Germany.
On March 1, 2008 across the country introduced a system of electronic verification of insurance. The client receives from your insurance company's seven-digit number, which he is obliged to call the police for verification. Here on the spot by making an inquiry into a single database, the guardian of the law can know whether the driver's insurance is valid. After some time, as scheduled, insurance in Germany, will become fully electronic, moving away from paper forms.
German insurance companies trust their customers, and therefore, recommend medium-sized accidents immediately to remove the machine from the roadway so as not to impede movement. For the settlement of the loss they just pictures drawn by the insurer – he is given a week to ensure that an accident claim. Typically, this is done using the standard form provided data about the participants of the accident (names, phone numbers, car and insurance), and, if possible, photograph the scene.
Police presence at the scene necessarily, if the damage to life and health. If only property damage of representatives of German law it is recommended to call in the event that the estimated amount of damage exceeds € 1,000. By calling the police must come, but if you call they will realize that the incident not serious, may appear on the site of an accident in one to two hours. Complete documentation in this case will not be – just the police will record data vehicles and drivers. For the insurance company whether or not the police in such an accident does not matter.
German insurers do not recommend their clients to sign any papers on the site. Even if the fault of one of the drivers is almost obvious, to understand the details of the insurance companies have to – it is an axiom of German auto market. The plaintiff (victim) is only required to fill out a form that will send him to the insurance company. In controversial cases, the case is transferred to the court, and to conduct the trial will be again the insurance company.
The Insured is obliged to assist your insurer in any attempt to clarify the circumstances of accidents and exposed him to the claims and minimize losses. Insured / driver is not permitted to give information about the fault of the other party without the permission of the insurer.