{"id":17615,"date":"2012-03-15T18:44:01","date_gmt":"2012-03-15T17:44:01","guid":{"rendered":"https:\/\/fiala.de\/mediation-law-in-practice-8\/"},"modified":"2021-12-12T16:49:16","modified_gmt":"2021-12-12T15:49:16","slug":"mediation-law-in-practice-8-2","status":"publish","type":"post","link":"https:\/\/www.fiala.de\/en\/mediation-law-in-practice-8-2\/","title":{"rendered":"Liability risks lurk everywhere. Which are among the most common, and which are among the most existentially threatening?"},"content":{"rendered":"<p>From the series of newsletters of the DHBW (Baden-Wuerttemberg Cooperative State University) Heidenheim on the topic &#8220;Mediation Law in Practice&#8221;:<\/p>\n<p>At this point, lawyer Dr. Johannes Fiala, <a href=\"https:\/\/fiala4instalive.instawp.xyz\" class=\"external\" rel=\"nofollow\">https:\/\/fiala4instalive.instawp.xyz<\/a>, lecturer for insurance law at the DHBW Heidenheim, will answer your questions.<br \/>\nYou can ask questions by sending an e-mail to ott@dhbw-heidenheim.de.<\/p>\n\n<p>The answer to this is always a snapshot in time; liability risks emerge, become known, and then, of course, are avoided &#8211; by some who are in the<br \/>\nIntermediary or liability law know, faster, from others slower. For some of the slow ones, it has been too late in the past.<\/p>\n<p>Currently, for example, it is being discussed that there is a &#8220;smoothing&#8221;, the &#8220;market price adjustment&#8221;, as well as a &#8220;maturity bonus&#8221; for British life insurance policies for German customers.<\/p>\n<p>Unfortunately, the contracts of German customers are subject to the German VVG, which does not know such terms. So it happens time and again that terminated British<br \/>\nPolicies are billed &#8220;British&#8221; by the insurer &#8211; but the customer is entitled to additional money according to German VVG.<\/p>\n<p>Another example is the own VSH coverage: Many brokers only find out in a liability case that they have either &#8220;noticed&#8221; considerable coverage gaps in the VSH coverage customary in the market, or that they do not receive coverage from the insurer due to a violation of basic legal obligations of a broker.<\/p>\n<p>On the website <a href=\"https:\/\/www.suega.de\/bgh.htm\" class=\"external\" rel=\"nofollow\">https:\/\/www.suega.de\/bgh.htm<\/a> in particular, one broker has nicely summarised central core obligations: Practice shows that customers always<br \/>\nagain are not informed immediately by the broker about his correspondence with insurers &#8211; an ideal hook for the customer to later hold the broker liable.<\/p>\n\n<p>Dr. Johannes Fiala<\/p>\n<p>(DHBW Newsletter 05\/2008)<\/p>\n<p>Courtesy of <a href=\"http:\/\/www.dhbw-heidenheim.de\" class=\"external\" rel=\"nofollow\">www.dhbw-heidenheim.de<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>From the series of newsletters of the DHBW (Baden-Wuerttemberg Cooperative State University) Heidenheim on the topic &#8220;Mediation Law in Practice&#8221;: At this point, lawyer Dr. Johannes Fiala, <a href=\"https:\/\/fiala4instalive.instawp.xyz\">https:\/\/fiala4instalive.instawp.xyz<\/a>, lecturer for insurance law at the DHBW Heidenheim, will answer your questions. You can ask questions by sending an e-mail to ott@dhbw-heidenheim.de. The answer to this is [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":"","rank_math_focus_keyword":"Liability risks","rank_math_description":"The answer to this is always a snapshot; liability risks emerge, become known and are then naturally avoided - more quickly by some who are familiar with intermediary or liability law, and more slowly by others.","rank_math_title":""},"categories":[492],"tags":[542,577,488],"class_list":["post-17615","post","type-post","status-publish","format-standard","hentry","category-veroeffentlichungen-en","tag-makler-en","tag-deckung-en","tag-haftung-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/posts\/17615","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/comments?post=17615"}],"version-history":[{"count":0,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/posts\/17615\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/media?parent=17615"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/categories?post=17615"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/tags?post=17615"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}