Contents & personal liability

Negligence


Our civil law assumes that everybody may expect a certain measure of care and mindfulness from his or her fellow human beings. This means that every policyholder is obliged to exercise due care. If such understood rules for the prevention of damage are culpably violated, this may result in a reduction of the insurance benefits. When somebody causes damage because he/she has not exercised the average amount of care, this is referred to as negligence.