Is one of the most important insurance in Germany currently after health insurance and mechanisms
And the vehicles.
Liability insurance means compensation for damages caused by a person to others. In the present day, each one of us owns, but not limited to, a computer and a laptop, and these devices are expensive and the holder pays huge amounts of money to acquire them and these devices are vulnerable to damage due to misuse and non-conservation, a person or one of his minor children may damage expensive electronic devices The price for his neighbors or someone breaks a cell phone for his friend by accidentally falling out of his hand.
It can often happen that someone occasionally pours water on someone else's computer, and sometimes someone borrows from a friend his mobile phone to take a picture of him falling out of his hand and breaking in thousands of dollars. The question that arises from these examples is who will pay for these damaged devices in the above examples of their owners?
In order to answer this question, the purpose of liability against third parties must first be known from the legal point of view of this "insurance is a written contract between two parties", the first is called the insurer and is usually the "insurance company" and the second is the insured, i.e. the person who inadvertently caused material damage to the property of others.
Under this contract, the insurer is obliged to compensate the insured for the damages produced, depending on the damages covered by the contract, and in return the insurer is charged with paying premiums to the insurance company in accordance with the agreement of the parties to the contract. The premiums may be monthly, quarterly or annual, and what is the obligation to compensate for the damages caused to others as a result of the error will achieve this responsibility by having three elements: error and damage and the causal relationship between them, insurance generally focuses on the coverage of civil liability, and that responsibility is based on The presence of damage to others as a result of unsupported error or negligence and the cause of the need to compensate for that damage.
Liability to third parties includes those responsible for personal acts, which is represented by each mistake causing harm to others and the obligation of those who committed them to compensation and also the responsibility for the actions of others, such as the father's responsibility for the actions of his minor children, and therefore it is legally recommended to participate in insurance.
Pros of third-party insurance
Compensation for unintentional accidents by the insured, and the avoidance of payments that may in some cases be substantial.
Feeling protected, third-party insurance protects the person from material loss, so the insured when he is committed to the insurance contract feels that if he causes any damages against others, he will be protected and covered under the insurance contract and thus feel comfortable and secure and disappear scare caused by the fear of harm to others. Inadvertently.
Protecting the community: Third party insurance protects society from material losses resulting from unintended mistakes and therefore insurance contributes to avoiding quarrels between people and the use of force in restoring rights and avoiding disputes before the courts, so the victims will go to the insurance institution to claim Compensation for damages.
It can often happen that someone occasionally pours water on someone else's computer, and sometimes someone borrows from a friend his mobile phone to take a picture of him falling out of his hand and breaking in thousands of dollars. The question that arises from these examples is who will pay for these damaged devices in the above examples of their owners?
In order to answer this question, the purpose of liability against third parties must first be known from the legal point of view of this "insurance is a written contract between two parties", the first is called the insurer and is usually the "insurance company" and the second is the insured, i.e. the person who inadvertently caused material damage to the property of others.
Under this contract, the insurer is obliged to compensate the insured for the damages produced, depending on the damages covered by the contract, and in return the insurer is charged with paying premiums to the insurance company in accordance with the agreement of the parties to the contract. The premiums may be monthly, quarterly or annual, and what is the obligation to compensate for the damages caused to others as a result of the error will achieve this responsibility by having three elements: error and damage and the causal relationship between them, insurance generally focuses on the coverage of civil liability, and that responsibility is based on The presence of damage to others as a result of unsupported error or negligence and the cause of the need to compensate for that damage.
Liability to third parties includes those responsible for personal acts, which is represented by each mistake causing harm to others and the obligation of those who committed them to compensation and also the responsibility for the actions of others, such as the father's responsibility for the actions of his minor children, and therefore it is legally recommended to participate in insurance.
Pros of third-party insurance
Compensation for unintentional accidents by the insured, and the avoidance of payments that may in some cases be substantial.
Feeling protected, third-party insurance protects the person from material loss, so the insured when he is committed to the insurance contract feels that if he causes any damages against others, he will be protected and covered under the insurance contract and thus feel comfortable and secure and disappear scare caused by the fear of harm to others. Inadvertently.
Protecting the community: Third party insurance protects society from material losses resulting from unintended mistakes and therefore insurance contributes to avoiding quarrels between people and the use of force in restoring rights and avoiding disputes before the courts, so the victims will go to the insurance institution to claim Compensation for damages.
How can a person believe himself against others in Germany?
The right behavior in the event of a traffic accident and the right with you:
- Turn on the fourlights, turn off the car and get down.
- Do not move your car or meters and do not let the other side move
- In case of heavy traffic, put the warning triangle
Call the police, call them and give them the location.
- Take pictures of the two cars and the best video
- The police when he comes writes an arrest and the one who is wrong pays 30 euros to the police for the police for the exact price
- The police give each one a copy at the time you can move
- Contact Gutachter (office responsible for assessing the status of the accident and damages)
- The office will photograph your car where the damage is and after 3 days you will get a copy of the costs and the amount due to compensate you
- The costs and bill of the Gutachter car insurance company causing the accident is paid by
- After nearly a week The Bigik Post from the insurance company causing the accident asking you to dictate your data card with the bank account number
- The best let the Gutachter dictate it and send it
- After a week or 2, you will receive the amount of compensation to the bank.
The nature of contracts in Germany and the most important things that a newly resident must consider and understand the importance of this in terms of rights and duties:
The mechanism and validity of contracts:
Depends on the full name with the generating address, address, or sometimes even the e-mail address and the bank account number.
It is worth mentioning that the German word "ja" is sufficient to conclude the contract and cannot be reversed after 14 days from the date of the conclusion.
So if you don't know German very well, don't consult on contract issues by phone, or you're not involved in a contract that might get you to pay money you're indispensable to, and it doesn't do you any good.
- Duration of contracts:
Contracts such as electricity, gas and car insurance contracts are often one year old
Home internet and mobile contracts are often two years
- The mechanism of withdrawing contracts and requesting the termination of the contract according to the contracted period:
Many people believe that the termination of the contract is automatic after the end of the contract ... This is wrong. Does not end only by informing the company of the avoidance of the contract for at least 3 months from the date of its expiry
An illustration:
- Request to terminate or clear the kündigung contract:
Let's assume you entered into a two-year internet contract on 1 January 2017.
The contract expires on 1 January 2019
If the company is not notified less than 3 months before the end of the contract. The contract will be extended by one year without your knowledge (one year because the duration of the contract in the example is two years)
So it's better to cancel the contract right after it's concluded or after a month. So you don't forget to finish it and extend it...
You have a period to tell the company about your intention to avoid the contract:
The period ranges from the beginning of your conclusion of the contract any date
01/01/2017
To date 29/09/2018
- The right to back off when the contract wiederruf
In Germany you have the right to withdraw any contract within 14 days starting from the first day of the contract, the return shall be in an official legal written written.
For example, you have the right to withdraw from the contract until 14/01/2017.
And peace for all.
- Turn on the fourlights, turn off the car and get down.
- Do not move your car or meters and do not let the other side move
- In case of heavy traffic, put the warning triangle
Call the police, call them and give them the location.
- Take pictures of the two cars and the best video
- The police when he comes writes an arrest and the one who is wrong pays 30 euros to the police for the police for the exact price
- The police give each one a copy at the time you can move
- Contact Gutachter (office responsible for assessing the status of the accident and damages)
- The office will photograph your car where the damage is and after 3 days you will get a copy of the costs and the amount due to compensate you
- The costs and bill of the Gutachter car insurance company causing the accident is paid by
- After nearly a week The Bigik Post from the insurance company causing the accident asking you to dictate your data card with the bank account number
- The best let the Gutachter dictate it and send it
- After a week or 2, you will receive the amount of compensation to the bank.
The nature of contracts in Germany and the most important things that a newly resident must consider and understand the importance of this in terms of rights and duties:
The mechanism and validity of contracts:
Depends on the full name with the generating address, address, or sometimes even the e-mail address and the bank account number.
It is worth mentioning that the German word "ja" is sufficient to conclude the contract and cannot be reversed after 14 days from the date of the conclusion.
So if you don't know German very well, don't consult on contract issues by phone, or you're not involved in a contract that might get you to pay money you're indispensable to, and it doesn't do you any good.
- Duration of contracts:
Contracts such as electricity, gas and car insurance contracts are often one year old
Home internet and mobile contracts are often two years
- The mechanism of withdrawing contracts and requesting the termination of the contract according to the contracted period:
Many people believe that the termination of the contract is automatic after the end of the contract ... This is wrong. Does not end only by informing the company of the avoidance of the contract for at least 3 months from the date of its expiry
An illustration:
- Request to terminate or clear the kündigung contract:
Let's assume you entered into a two-year internet contract on 1 January 2017.
The contract expires on 1 January 2019
If the company is not notified less than 3 months before the end of the contract. The contract will be extended by one year without your knowledge (one year because the duration of the contract in the example is two years)
So it's better to cancel the contract right after it's concluded or after a month. So you don't forget to finish it and extend it...
You have a period to tell the company about your intention to avoid the contract:
The period ranges from the beginning of your conclusion of the contract any date
01/01/2017
To date 29/09/2018
- The right to back off when the contract wiederruf
In Germany you have the right to withdraw any contract within 14 days starting from the first day of the contract, the return shall be in an official legal written written.
For example, you have the right to withdraw from the contract until 14/01/2017.
And peace for all.
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