Insurance Law

We provide consultancy services to our clients in all aspects of insurance law and assist them in a broad range of legal services.   We have attained considerable experience in this sector, dealing with insurance cases both in Germany and at the European level, out of court and in litigation.   This is our particular strength and sets us apart from our competitors.   Our insurance law practice group deals with the following fields, among others:

• General liability: Ensured the general liability risk is covered by the liability insurer;
• Product liability: Ensured the manufacturer's liability under tort law is covered in accordance with the insurance contract;
• D & O: Enforced claims vis-à-vis an insurance company covering the liability of senior management for claims under the law of torts, for infringements of accounting duties and other management obligations;
• Liability of the so-called liberal professions, such as that of physicians, architects and construction companies: Obtained damages for malpractice, damages for failure to provide health consultation, damages for planning errors and for other derelictions of duties from insurance companies;
• Environmental liability: Enforced cover for personal injuries and property damages resulting from environmental impacts, as provided for by the insurance contract.
  

• Permanent insurance and term life insurance:
  Enforced claims based on flawed advice by insurance representatives as regards the term, amount insured, premium and risk insured, wrong calculation of the amount insured, and enforced claims for profit participation and hidden assets;
• (Additional) disability insurance:
  Obtained payment of the disability pension agreed on, defended against referrals to other activities our client was supposed to pursue that did not correspond to the terms of insurance.
  

• Cost-of-health-care insurance and daily allowance insurance, including residual debt insurance:
  Obtained insurance payments for medically required treatments and, as far as the agreed cover was concerned, payments in money in connection with the disability resulting from the illness, while also dealing with issues of accounts rendered under the Gebührenordnung für Ärzte (GOÄ, Fee Scale for Physicians), Gebührenordnung für Zahnärzte (GOZ, Fee Scale for Dentists) and the laws governing hospital costs and invoices;
• Travelers' sickness insurance:
  Obtained insurance payments from insurance company to compensate for expenditures incurred for medical treatments abroad, to cover for the costs of transportation home;
• Private nursing care insurance:
  Obtained insurance cover for the risk of requiring nursing care, based on the insurance contract.

Automobile insurance

• Motor hull insurance:
  Obtained insurance payments from the insurance companies for occurrences such as theft, driving mistakes, operating mistakes and other incorrect behavior;
• Automobile liability insurance:
  Ensured our clients who owned and drove a vehicle were released from liability by the insurer as regards claims for pecuniary loss, property damages and personal injuries in road traffic.

Property insurance

• Fire insurance:
  Obtained insurance payments for damages caused by fire, lightning and explosion;
• Household contents insurance:
  Covered the entirety of all issues under insurance law in connection with the loss of the content insured;
• Residential building insurance:
  Obtained insurance payments for damages caused by fire, burst pipes, frost and storm;
• Insurance against interruptions of operations:
  Enforced cover from an insurer for the impacts of disruptions, caused by fire, explosion or lightning ,on work and manufacturing processes within an operation;
• Contractor's all risk insurance:
  Obtained insurance payments for the damage and destruction of parts of a structure that was in the process of being built.

Transport insurance

• Carriers:
  Deal with all legal issues in connection with the respectively insured means of transportation and the respective operator;
• Freight forwarding:
  Obtain insurance payments from the insurer in connection with the legal or contractual liability of carriers for damages to freight, follow-on damages to freight or other pecuniary losses as well as failure to meet the delivery deadline;
• Storage:
  Enforced claims under insurance law for wrong storage or damages sustained in storage.