Gebäudeversicherung: Wenn die Schadenregulierung ins Stocken gerät
Gebäudeversicherung: Wenn die Schadenregulierung ins Stocken gerät
Eine alte Lagerhalle brennt ab. Der Versicherer beginnt die Aufarbeitung des komplexen Schadenfalls. Monatelang liefern sich der Versicherer und die Versicherungsnehmerin einen Schriftwechsel – bis die Fronten vollends verhärtet sind.
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Schließlich reicht die Versicherungsnehmerin eine sogenannte Feststellungsklage ein, um zumindest schon einmal feststellen zu lassen, dass der Versicherer eintrittspflichtig ist. Das sei nicht zulässig, behauptet der Versicherer.
Doch das Gericht gibt der Versicherungsnehmerin Recht. Warum die Feststellungsklage ein probates und nach neuer Rechtsprechung auch zulässiges Mittel in der Schadenregulierung sein kann, erläutern Jem Schyma und Raimund Mallmann in ihrer aktuellen Kolumne für den Focus Money Versicherungsprofi, hier online abrufbar.
Weitere Veröffentlichungen
Weitere Veröffentlichungen
10 Things You Need to Know About D&O Insurance in Germany
10 Things You Need to Know About D&O Insurance in Germany
D&O liability and insurance in Germany work differently. If you are a manager, board member, or advisor operating in the German market, here are 10 essential facts you need to know.
10 Things You Need to Know About Insurance Dispute Resolution in Germany
10 Things You Need to Know About Insurance Dispute Resolution in Germany
Navigating insurance disputes in Germany may feel like uncharted waters for many legal professionals outside the country. Ten key insights that will help you better understand how insurance disputes are handled under German law.
Manager liability in Germany: between departmental and overall responsibility
Manager liability in Germany: between departmental and overall responsibility
Under German law, all members of the management board bear responsibility for the company. But can liability be minimised by allocating responsibilities? Dr. Mark Wilhelm shows the possibilities and limits of such a plan.
Rescission of cyber insurance contracts: how policyholders should react on current judgements
Rescission of cyber insurance contracts: how policyholders should react on current judgements
When is the cyber insurer entitled to rescind a contract? Fabian Herdter analyses two recent judgements on the policyholder's duty to disclose risks before the contract is closed.
D&O: How to distribute insufficient cover
D&O: How to distribute insufficient cover
When there is not enough D&O cover left, how do insurers decide to split the remaining money? Fabian Herdter looks into a problem that urgently needs a fair solution for all insured directors and officers.
A right to D&O: No employment contract without a procurement clause
A right to D&O: No employment contract without a procurement clause
What is a procurement clause? And why should it be included in every managing director's employment contract? In the webinar series ‘D&O Update’, David Ulrich gave advice for current and prospective decision-makers.
Payments after factual insolvency – (once more) not covered by the D&O?
Payments after factual insolvency – (once more) not covered by the D&O?
In Germany, directors are liable for payments made after the company should have filed for insolvency. What is particularly critical is that D&O insurers often refuse to provide cover for such liability claims. Mark Wilhelm explains the objections currently brought forward by insurers.
What are the obstacles to successful claim settlement?
What are the obstacles to successful claim settlement?
Major claims harbour potential for legal conflict. Fabian Herdter provides an overview of current disputes for the insurance monthly VersicherungsPraxis.
How to cede D&O claims: options and recommendations
How to cede D&O claims: options and recommendations
If a company wants to bring claims against a D&O insurer, the insured manager first has to cede his cover claim – an insight by Fabian Herdter and David Ulrich.
Enforcing Insurance Cover Claims in Germany: Who needs to prove what and when?
Enforcing Insurance Cover Claims in Germany: Who needs to prove what and when?
What evidence does a policyholder have to provide under German law after an insured event? And can the insurer simply claim that it is not fully liable to pay? We provide an overview of the rules governing the burden of proof in insurance law disputes in Germany.
Limitations of Liability for Managers under German Law and Consequences for D&O Insurance
Limitations of Liability for Managers under German Law and Consequences for D&O Insurance
In Germany, managers can have their liability risk contractually limited. Dr. Fabian Herdter und Dr. Friedrich Isenbart shed light on the options available to GmbHs and AGs.
