What does the lack of liability insurance mean for those responsible and those injured? We clarify legal questions about liability and third party liability. 00:00 Everything about liability 01:17 What to do if the person who caused the accident has foreign insurance? 05:50 Are you allowed to rent a car? 07:12 Is there an agreement with every foreign person who causes an accident? 08:12 What to do if something breaks during a move? 11:22 Damage caused by a favor - who is liable? 12:35 Animal liability - who is liable if an accident is caused by a pet? ---------- This video is an excerpt from the broadcast on September 24, 2024. Full Marktcheck episodes including subtitles in the media library: http://x.swr.de/s/13zv By the way: Since Marktcheck is part of ARD, you can download this video for free via WiFi and watch it offline on the go! ----------- LIABILITY INSURANCE IN THE EVENT OF A CAR ACCIDENT As a driver, you must be insured in road traffic. But what happens if you collide with a foreign vehicle that caused the accident? In such cases, the opposing insurance company is generally liable. However, the contact person in Germany is a claims adjuster, as every foreign insurance company in the EU has a representative in Germany. This person is obliged to submit an offer of settlement or a reason for rejection within three months at the latest. DAMAGE DURING A RELOCATION - JUST A FAVORITE? According to the highest court rulings, if you help a friend move and something breaks, you cannot completely get away with it. At least if you have liability insurance, you must ask them to settle the claim. If you do not have liability insurance, you must look more closely at the favor relationship and decide on a case-by-case basis. WHO IS LIABLE IN THE EVENT OF AN ACCIDENT INVOLVING A PET? Here too, it depends on the individual case and sometimes the size of the pet. If, for example, a large Maine Coon cat runs into the street and a motorcyclist swerves and injures himself, the court finds the cat owner to be 2/3 at fault and the motorcyclist to be 1/3 at fault due to the general operational hazard. Author: Martin Küstermann, Florian Doetsch Image source: Adobe Stock/ vegefox.com/Kwangmoozaa/yelantsevv/Ingus Evertovskis/deagreez ----------- ► • Insurance check: How you can protect yourself... ► • Liability insurance: How car insurance... ► • Phishing: When the online shop collects data... ► • Animal liability - when does the owner have to pay... ► • Danger of online shopping - with a cl... ----------- An article on the subject of insurance can be found here: Insurance: Save money and still optimize protection - Marktcheck - TV ----------- ► More information about the program on our homepage: https://www.swrfernsehen.de/marktcheck/ ► More about Marktcheck on our Facebook page: / marktcheck ► You can subscribe to our channel here: http://x.swr.de/s/13x1 ► More about our eco-checkers can be found on Instagram: / oekochecker ► Comments are welcome - but please observe the netiquette: https://www.swr.de/home/netiquette-10... ► Legal notice: https://www.swr.de/impressum/ ► Data protection: https://www.swr.de/datenschutz/ #Accident #Liability #Car