Report damage – which period do I have to adhere to?

Note the deadline

Liability insurance: How long can you report damage?

A private liability protects against high costs if third parties are damaged. But this only applies if you contact your insurance company in good time.

It can hit everyone: You just don’t take care of for a moment and the coffee pours out of the knocked -out cup on the mobile phone colleague’s cell phone. Result: destroyed. A classic case in which you can contact your liability insurance. But how long do you actually have time to report damage to your liability insurance?

In most cases, the earlier, the better. As soon as you know a damage, you should report it to your insurance company. For security, take a look at your contract whether the insurance has set a certain period of time. Often it only says that you have to report a liability damage “immediately or without culpable delay”.

This is not a legally clear code for an exact number of days. As a rule, however, you fulfill your obligation if you report the damage to your liability insurance within a week. Otherwise, you risk the insurance company refusing to regulate the damage or pay them little compensation.

However, they do a favor anyway if they do not exhaust the deadline to the last day. Because the sooner the insurance receives the damage, the faster it will be able to regulate the matter. And the more faster the victim receives his money – which you too should let sleep more calmly again. Read here exactly how to proceed when the damage report.