Suche
Mein Konto
Lock of key: no compensation for burglary damage
In our article, you will find out why a policyholder was not entitled to compensation from his household insurance after a key. Despite the "expanded key clause", he could not provide the locked car. Read the detailed analysis of the highest judge's judgment of the Federal Court of Justice (file number IV ZR 118/22).
Lock of key: no compensation for burglary damage
insight into a regrettable case of burglary
In today's society, the security of personal values and habitats is of the utmost importance. An incident in Berlin tragically shows how carelessness can lead to severe losses. A policyholder was faced with a break -in, in which his values of over 64,000 euros were stolen.
The course of the incident
The case began when the injured party left his apartment and safe key in his car. These were not only stowed away in a briefcase, but also together with documents that contained his address. This naivety made it possible to gain access to his keys quickly and easily.
The effects on the sense of community
Such incidents have far -reaching consequences for the community. They stir up fear and distrust and ask the question of their own security. The injured party had contacted his household insurance and hoped for compensation based on the "extended key clause", which covers a break -in after a lost or stolen key.
legal decision and its meaning
Despite the circumstances, the Federal Court of Justice decided that the insurance did not have to be liable because the insured person could not prove that he had completed his car; There were no signs of a departure. This legal decision has extensive implications, not only for the person concerned, but also for other policyholder who may be in similar situations. The need to handle your own values carefully becomes clear here.
teaching from the incident
The incident reminds everyone how important it is to take safety precautions. If valuables and keys are not kept safely, they can easily be the goal of thieves. Awareness of such risks can help to avoid future incidents and to increase security for everyone.
FAZIT
in a world in which security is often overlooked, it is essential to remain vigilant. The incident in Berlin is an example of how quickly a serious loss can arise from carelessness. It is up to each of us to take responsibility and take your own security measures seriously to protect yourself and your values.