{"id":19560,"date":"2006-07-24T23:28:50","date_gmt":"2006-07-24T21:28:50","guid":{"rendered":"https:\/\/fiala.de\/insurance-contract-error-in-the-settlement-of-claims-with-insurance-company-2\/"},"modified":"2006-07-24T23:28:50","modified_gmt":"2006-07-24T21:28:50","slug":"insurance-contract-error-in-the-settlement-of-claims-with-insurance-company-2","status":"publish","type":"post","link":"https:\/\/www.fiala.de\/en\/insurance-contract-error-in-the-settlement-of-claims-with-insurance-company-2\/","title":{"rendered":"Insurance contract: Error in the settlement of claims with insurance company"},"content":{"rendered":"

Fire Damage Settlement:<\/h3>\n

In connection with a fire loss, the policyholder (PC) reported a loss. The insurer’s employee determined the amount of loss on an inventory fire policy. Due to an alleged underinsurance (objects were outside the building), the insurer reduced the benefit – the policyholder agreed (settlement agreement).<\/p>\n

Common Misconception:<\/h3>\n

Later, the insurer and the insured realized a common mistake. However, the insurer refused to correct the error and re-bill. The case eventually ended up before the Regional Court – later before the Higher Regional Court.<\/p>\n

Decision:<\/h3>\n

The judgement of the OLG Hamm (Az. 20 U 100\/05<\/a>) of 14.10.2005 corrected the insurer, who had to pay additional costs. For connoisseurs of the matter, the decision appears absolutely logical, because if both parties to a contract (in this case a settlement agreement) are mistaken, this has regularly led to an adjustment of the contract since the introduction of the BGB on 01.01.1900 (since 01.01.2002 regulated in \u00a7 313 II BGB<\/a>) according to the principles on the discontinuation of the basis of the contract.<\/p>\n\n

by Dr. Johannes Fiala<\/p>\n","protected":false},"excerpt":{"rendered":"

Fire Damage Settlement: In connection with a fire loss, the policyholder (PC) reported a loss. The insurer’s employee determined the amount of loss on an inventory fire policy. Due to an alleged underinsurance (objects were outside the building), the insurer reduced the benefit – the policyholder agreed (settlement agreement). Common Misconception: Later, the insurer and […]<\/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":"","rank_math_description":"","rank_math_title":""},"categories":[492],"tags":[],"class_list":["post-19560","post","type-post","status-publish","format-standard","hentry","category-veroeffentlichungen-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/posts\/19560","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=19560"}],"version-history":[{"count":0,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/posts\/19560\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/media?parent=19560"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/categories?post=19560"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fiala.de\/en\/wp-json\/wp\/v2\/tags?post=19560"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}