Security for the car, in the garage
Foto: imago images/Shotshop
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If you park in front of the garage at night, the insurance can reduce the claim by 30 percent in the event of theft. This results from a decision of the Magdeburg Regional Court (Az. 11 O 217/18).
If certain criteria are agreed in the insurance contract, you have to adhere to them, warns the AG Verkehrsrecht des Deutschen Anwaltverein (DAV).
In the comprehensive insurance contract it was expressly regulated that the car should be parked in the garage at night. This was also taken into account when classifying the tariff. In fact, at the time of the theft, the car was in front of the garage, usually once a week. After the theft, the insurance company reduced the amount of around 20,000 euros by 40 percent. She referred to the agreement that the car would be parked in the garage at night.
The insured’s action was only partially successful. The insurance company was only allowed to reduce the claim by 30 percent, according to the court. Overall, it actually represents a significant increase in the risk if a car is parked in front of it instead of in the garage. Especially if, as is the case here, the data on the vehicle key had been spied out by the perpetrators by means of »homejacking«.
Had the car been in the garage, it would have been a major barrier to theft. When making the cut, the court took into account that the car was not parked in a public parking lot. DAV / nd
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