Report the damage to the insurance company

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It is in the nature of things that you must report the damage to your insurance company when you claim replacement. When asked which deadline is to be observed, there is really only one answer: Immediately! You can read more in the terms and conditions.

In the event of an insured event, immediate notification of the damage is required.
In the event of an insured event, immediate notification of the damage is required.

If you have your insurance want or have to make use of it, you have already had enough on your neck with the damage that has occurred. Nevertheless, you are legally obliged to report the damage to the insurance company immediately in the interests of both parties.

The general deadline is immediately

  • With the occurrence of the insured event, you must inform the insurer immediately, i. H. report the damage without undue hesitation. This is what it says in Section 30 of the Insurance Contract Act.
  • The purpose of this regulation is therefore to give the insurer the opportunity to cover the damage in his to examine the original shape, to have it assessed and information and evidence from you to request. This should also prevent any manipulation of the extent of damage or the loss or alteration of evidence.

It depends on the insurance

  • The general regulation of § 30 VVG is supplemented by some special regulations for the individual insurance classes. In fire insurance it is sufficient if you, regardless of the fact that you should act immediately, send the report within 3 days of the claim. There is a corresponding regulation for the Life insurance upon the death of the policyholder.
  • In liability insurance, you have to face the fact that you as the policyholder may be against a third party have made liable for damages or that the injured party raises his claim against you, notify us within one week (§ 104 VVG).
    • Liability insurance - this is how you report the damage to your insurance company

    A civilized person willfully harm no one else. Indeed …

  • To be sure which period is decisive for your insurance contract, be sure to read the terms and conditions.

Any delay increases your damage

  • Otherwise, the safest recommendation can only be to report the insured event to the insurance company as soon as possible, regardless of the deadline specified in the terms and conditions. Only consider a given deadline as a maximum position.
  • Almost all insurers have an emergency telephone ready for this purpose, which you can use to report a claim day and night.
  • Another period results from the statute of limitations. Your insurer will be released from its obligation to provide benefits if you do not assert your claim in court within 6 months. This period begins upon receipt of a letter in which the insurer refused to settle the claim. As long as the claim is being examined, the insurance process is interrupted.

Failure to report means breach of obligation

  • If you ignore the relevant deadline, you will commit an in the language of insurance law Breach of duty and risk that the insurance company will refuse to do the damage regulate.
  • If you are prevented for any legitimate reasons from claiming the damage within the specified period make, you should hire a representative or the reasons for the delay with the late report present.
  • Ultimately, it is in your own best interest to report the damage immediately. Only then will you make it possible, if necessary, to make the necessary determinations, which are a prerequisite for the damage to be quantified and regulated.

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