Important restrictions on motor vehicle insurance: expert knowledge for insured parties

Important restrictions on motor vehicle insurance: expert knowledge for insured parties

According to a report by www.t-online.de,
Car insurance does not automatically cover all damages, as many people mistakenly believe. There are various limitations that may surprise even the most experienced connoisseurs. The article provides detailed information about various situations in which car insurance does not pay in the event of an accident.

1. Beulen und Kratzer am Auto:
   In vielen Fällen werden Schäden am Fahrzeug wie Kratzer oder Dellen nicht automatisch von der Kaskoversicherung übernommen. Es ist wichtig zu beachten, dass eine Vollkaskoversicherung erforderlich ist, um solche Schäden reguliert zu bekommen. Eine Vorbedingung ist in der Regel die Vorlage einer Polizei- oder Försterberichts, um zu beweisen, dass der Schaden auf einen Unfall zurückzuführen ist.

2. What applies in the event of accidents involving wildlife:
   In the event of an accident involving wild animals, comprehensive insurance only covers the damage while driving. If a parked car is damaged, the insured person must prove that it is a case for motor vehicle insurance. Other damage caused by free-roaming animals is usually covered by animal owner liability insurance.

3. How car insurance deals with vandalism:
   Damage caused by vandalism is usually excluded from partial comprehensive insurance. Comprehensive insurance is required to cover such damage.

4. Theft from the car:
   Only fixed devices that are stolen from the car are usually covered by comprehensive insurance. Other stolen items may require comprehensive insurance or be covered by home insurance.

The points mentioned make it clear that car insurance does not cover all damage and it is important to check the individual conditions. It also shows that choosing the right type of insurance is crucial in order to be adequately covered in the event of damage.