Coburg. Tips for everyday life
Tips for everyday life
Before you can relax on holiday, there are a few things that need to be organised: Who will empty the mailbox, who will water the flowers? Friendly neighbours often help. Many neighbours even take the family dog into their care. But what happens if the helpful neighbour breaks something in the unfamiliar apartment or the family dog bites someone while out for a walk?
According to HUK-COBURG, the rule is that whoever is responsible for damage must take responsibility for it: So, if you ruin the carpet while watering the flowers or throw down an expensive vase, you would have to pay. But there are exceptions to every rule: After all, the neighbor is doing the vacationer a favor that the vacationer asked for. Anyone who causes damage through slight negligence is not liable. The case law calls this exclusion of liability for favors.
In addition to the legal side, such incidents also have a human side. This is why many private liability insurance companies, including HUK-COBURG, do not exclude liability. They support neighborly assistance and settle the damages.
Walking strange dogs
If you are looking after someone else’s dog, you should ask the dog owner about dog owner liability insurance. This will cover you free of charge. If the dog bites an unknown passer-by while you are out walking, it is the responsibility of the insurance company to settle the claim. In some federal states – such as Berlin, Hamburg, Lower Saxony, Saxony-Anhalt, Schleswig-Holstein and Thuringia – taking out dog owner liability insurance is compulsory for all dog breeds anyway.
Anyone who looks after someone else’s dog purely as a favor is also covered under their own personal liability insurance if the dog bites a third party. Here, too, many insurers support neighborhood help. However, if there is a dog owner’s liability insurance, they must take care of the damage.
To the press release on huk.de:
Press contact: Further information and contact: HUK-COBURG Corporate Communications Email: [email protected] Karin Benning Tel.: 09561/96-22604 Email: [email protected]
Additional material: www.presseportal.de Quelle: HUK-COBURG
