Liability insurance: children over parents insured?

Liability insurance: Protect children extensively

Anyone who has children knows it: don’t pay attention for a moment and you start playing with objects that are actually not toys. If the little daughter has also pulled the not exactly cheap porcelain doll of the friend beaming from the shelf with joy, she will Situation quickly relaxed. After all, broken pieces bring tears rather than happiness in this case. Small children in particular cannot yet correctly assess the consequences of their actions.

In the case of the expensive porcelain doll, is Definitely better to be safe than sorry. If the offspring is not sufficiently insured for liability, the parents may have to pay for the girlfriend’s broken collector’s item. For this reason, legal guardians should make sure that their liability insurance includes children – of all ages if possible – and take out a corresponding family liability policy.

Liability insurance for children is necessary?

Since children are often unable to assess the extent of their actions or the resulting consequences, liability insurance makes sense for them in any case. However, this does not mean that a separate liability insurance is necessary for each child. Young families in particular are advised to have one immediately after the birth of the child Family liability insurance that not only protects the parents, but also the offspring, so that with this variant, the children are virtually insured through their parents.

Important: Despite the family tariff, the individual liability insurance benefits should be studied. Often there are damages, especially in basic tariffs offense inept Children caused are not covered by the policy. For the damage smaller Children under 7 or 10 years old then there is no liability protection.

Children incapable of torture: How is liability regulated??

children under 7 years are incapable of tort, which means almost not culpable. This means that they are not responsible for their own actions. With the liability of Children in traffic the age limit is even higher: Here, the inability to commit offenses applies until Completion of the 10th year of life.

You can often see the supposed legal sentence "parents are liable for their children" on signs. However, this sentence cannot be generalized. Because parents are not always liable for the actions of their children. However, this is the case when they get theirs Supervisory duty violated to have. Only then will parents be held responsible for the damage their children have caused. Whether and to what extent there is a violation of the duty to supervise must be decided on a case-by-case basis. After all, depending on their age, parents have to not around the clock oversee.

Obeyed the duty of supervision

The parents were tried by the court acquitted of any responsibility, this way, you don’t have to pay for the damage your children caused. The injured party would therefore remain on the damage incurred. However, parents often still feel obliged to make up for the damage done to their children. Especially if the damage occurred in the immediate vicinity. After all, nobody wants to spoil it with friends or their own family. In this sense, most parents would probably replace the girlfriend’s broken porcelain doll. And that despite being legal not obliged to do so are. If additional insurance for children who are incapable of torture has been included in the liability insurance, liability usually covers the doll damage, even if the parents have theirs Supervisory duty not violated to have.

Supervisory duty violated

But what happens if the parents have actually violated the duty to supervise? Does liability cover children who are unable to torture at all? It depends on whether the parents are harmed by children incapable of torture expressly insured to have. Because most basic tariffs do not have this performance. If the addition has been completed, the insurance will take over for the damage. If the parents have waived the additional benefit, they have to bear the costs themselves. Parents or guardians should therefore think carefully about whether they accept the risk or would rather accept a corresponding surcharge on the annual family liability contribution.

It depends on whether the parents have violated their duty of supervision not just from age of the child. In the event of an emergency, several questions are asked:

How old is the child exactly?

How long was the child unattended?

Was the damage foreseeable for the parents in any way?

Can the child even assess the consequences of their own actions?

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Christina Cherry
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