Insurance Law

Liability insurance comes into play when policyholders are held liable or claimed against for damages by third parties, for example, if a person is injured or property is damaged. In such cases, liability insurers protect policyholders by either satisfying legitimate claims of the injured parties or defending against unjustified demands.

The range of liability insurances offered is as diverse as the associated risks. Insurance coverage is always provided only for a specific insured liability risk. Issues can arise both in determining the liability of policyholders and in coverage by insurers. After all, liability-related questions can also impact the coverage relationship.

Our expert team reviews your contracts and provides advice on your individual risks and options.

Most items in your house or apartment are dear to you. To protect them, a household insurance policy is advisable. If your personal belongings are damaged, destroyed, or lost due to fires, storms, water damage, or burglary, the resulting losses can be compensated.

However, insurers may unjustly reduce or even deny payments. You should not accept this without question. Our experts are here to support you: We review your individual case and show you ways to fight back.

The primary purpose of life insurance is to provide financial protection in the event of death during the policy term. With a pension insurance policy, the risk of uncertain life expectancy during which the pension is to be received is covered. You can also protect yourself against other risks through disability, long-term care, and dread disease insurances – either in a standalone contract or as a supplementary insurance.

Especially in times of low-interest rates, insurers can no longer deliver the once-projected returns. This may prompt you to consider exiting the contract. We recommend not simply canceling it. In many cases, it is advisable to exercise your right to objection or withdrawal: this allows you to reverse your contract and recover a significant amount of money.

If the insurance company did not properly inform you about your right to object, withdraw, or cancel, many life and pension insurance contracts can be revoked – even those from over 20 years ago. This means that you can still get your money back today. Therefore, have your contracts reviewed. We are happy to calculate your claims and enforce them on your behalf.

The regular  premium increases by private health insurers are a nuisance for many  policyholders. When certain calculation bases change permanently over time  and the insurer's ordinary right to terminate is excluded, premium  adjustments occur. This necessitates a recalculation. The premium that  policyholders must pay is adjusted to the new calculation basis – and is  usually higher.    You can fight this: for a premium adjustment in private health insurance to  be valid, certain formal and material requirements must be met (§ 203 VVG and  § 155 VAG). If an adjustment is invalid, you are entitled to a refund of the  excess premiums paid.    You can reclaim your money. Don’t let your potential refund claims expire.  We will review your contract history and advise you on your options.

The statutory  accident insurance does not cover accidents that occur in the private sphere;  this gap is filled by private accident insurance. It can be taken out as a  standalone policy, as supplementary insurance with a life insurance policy,  or as motor vehicle accident insurance. It is often sold in combination with  other products, such as a credit card agreement.    An insured accident event is defined as a sudden event from an external  source impacting the body of the insured person, causing injury without their  will.    Various insurance benefits can be agreed upon, such as disability benefits,  transitional benefits, daily allowances for impaired work performance,  sickness benefits, or death benefits.    To ensure you do not miss any deadlines, engage us early to review your  case. We are happy to inform, advise, and represent you.

Property owners  understand the indispensability of building insurance. Damage to structures  can quickly become costly. If a property is damaged by fire, water, storm, or  hail, building insurance is essential. An elemental insurance policy helps  with damage caused by natural disasters, such as floods, heavy rain, or  earthquakes. Besides covering the costs of damage remediation, it also covers  demolition and cleanup costs as well as loss of rental income.    Handling such damage claims can lead to numerous problems. It is common for  insurers to deny the agreed-upon benefits, citing risk exclusions or existing  underinsurance, accusing policyholders of breaching obligations, or paying  only a small portion of the damage.    To avoid mistakes that insurers could later exploit in a legal process, we  recommend you seek immediate advice from our experts in these cases. We are  here to assist you.