Everything about the family insurance

You were only once visited by friends or family? You have a dog? The plumber will have to drop? There are many good enough reasons for a family insurance. It only costs a few dollars per month and is good for peace of mind.

In insurance jargon calls this family insurance, in fact, the “civil liability in private life”, which better describes what is involved. This insurance protects your liability if you or someone in your family’s private life has caused damage to others. If you have other damage to third parties you would have to reimburse the insurance company to do this for you. The minimum insurance requirements a family must meet is always the same and defined by law. The insurance is not mandatory but highly recommended.

Three basic principles must be satisfied. If you for example in very cold weather do not have sprinkled salt on your doorstep, you have done nothing wrong in itself. But the postman slide and breaks his leg. So you are liable as owner of the land. When in doubt, the insurer will consider what a prudent man would do. Intentional errors are obviously not covered. Though by most insurers deliberate errors to 16 years are covered. One is to assume that children do not deliberately make mistakes. Serious mistakes are not reimbursed if expressly stated in the policy.
A typical example of a serious mistake is caused damage in a drunken state. Even if you have not deliberately caused the damage, you are in error because you’re drunk. So ask your insurance agent or insurance which are also serious errors. The damage, the victim should not be a person in your family. Or rather, no one by the same family policy is covered. It should also be detectable damage.
The postman will therefore at least had to bring a certificate from his doctor. Emotional damage is therefore not covered here. Psychological harm or, if here a proof of a doctor can be submitted. The causal connection to the victim, the third, to demonstrate that the damage resulted from the mistake you made. If the postman breaks his leg on your doorstep is certainly not always the fault of you as the owner. The postman itself may have been careless or wrong.

We’d like to thank Miss Sue Lang on this contribution to our web page.