Suche
Mein Konto
According to a report by www.sueddeutsche.de, property damage often occurs on Halloween when there is no candy. In cases like this, where mustard under the doorknob, shaving cream on the car or glue in the keyhole causes permanent damage, the question arises as to who is responsible for it.
According to the North Rhine-Westphalia consumer advice center, known perpetrators must answer for their actions. However, it becomes more difficult if the perpetrators are younger than seven years, because children up to this age are considered incapable of committing a crime and are therefore not liable.
In cases where parents have breached their duty of supervision, they must be held liable. To avoid such damage, parents should accompany their children. If damage does occur, the children are also insured under family liability insurance as long as they are either under 18 years old or are in training.
If the perpetrators cannot be found, you can also claim against your own insurance. For example, if the wall of the house is smeared, homeowners insurance can step in if vandalism is also insured. Damage to your own vehicle is only covered by fully comprehensive insurance. However, partial comprehensive insurance covers glass and fire damage, according to the NRW consumer advice center.
The North Rhine-Westphalia consumer advice center recommends reporting any damage to the insurance company immediately and also reporting it to the police.
This information shows that property damage on Halloween can not only be annoying, but can also have financial consequences. It is important that both parents and insurance companies take the right steps to limit damages and cover potential costs.