Expensive mistake: This is how drivers risk high insurance cuts!

Expensive mistake: This is how drivers risk high insurance cuts!

In a recent decision by the Magdeburg Regional Court, vehicle owners who park their car in front of the garage contrary to the insurance conditions must expect financial consequences. This emerges from a judgment that was made on September 11, 2018 (ref.: 11 O 217/18). The plaintiff, who owned a BMW 5 Series, parked her vehicle in the driveway instead of in the locked garage. The judges in Magdeburg decided that this behavior constituted a breach of duty and therefore increased the risk of theft.

The legal consequences are considerable: the insurance company is entitled to reduce compensation by 30 percent in the event of theft. In this specific case, the plaintiff has to pay almost 6,000 euros herself. The ruling makes it clear that it is important for policyholders to actually use the garage if they indicate this in their contract. Otherwise, there is a risk of unexpected financial losses in the event of damage.

Vigilant car owners

Drivers often park in front of their garage, usually due to lack of space. However, this common behavior can have serious consequences. Loud chip.de As a garage owner, you should make sure that you actually park your vehicle there. Otherwise, there is a risk that your own insurance will not reimburse the full amount of damage in the event of theft. In this context, the court argued that the plaintiff's behavior made access easier for potential perpetrators.

Dear car owners, space in the garage may be limited, but parking the vehicle in front of the garage should be carefully considered. Garage owners are encouraged to either park their cars in the garage or adjust their insurance policies to avoid potential surprises.

Pay attention to insurance conditions

The verdict clearly shows that anyone who doesn't use their garage is playing with fire. Policyholders who state in their contracts that they park their car in a garage must therefore adhere to these conditions. Otherwise, any cost savings through lower insurance premiums can quickly turn into an expensive lesson if a claim occurs.

In summary, access to an insured vehicle should be clearly regulated. In the future, drivers could do well to take a closer look at their insurance conditions in order to avoid financial losses.