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Disclaimer - WISO vs. Accident Fund PDF Print E-mail
Written by Andreas Ehrhardt   
Friday, 19 December 2008 16:12

An accident as it can happen every day ...A report by the ZDF magazine WISO 17.11.2008 startled by many members of the firefighters on. Using three examples it was shown that voluntary fire brigade members lean on the statutory accident insurance benefits depend. Obviously, there were significant gaps in the coverage of the firefighters. Now there's a first official reaction to the accident fund Saxony on the subject.

Briefly summarize it declares that through the contribution of WISO the impression arose that the fire brigade members in case of damage by another fire brigade members unwittingly added is not entitled to claim benefit, because at the moment both at the same insurance (accident insurance) are insured. This is regulated and SGB called "disclaimer". If the damage from an external person would have been added, it would be all the claims in order.

According to the report on television the district drafted the country's Directorate Brandmeister Dresden sent a letter to the accident fund with request for clarification of the facts. Subsequently, the accident fund Saxony Brandmeister the district of Dresden following:

>> "The contribution of the ZDF magazine has 17.11.08 WISO from the world of volunteer firefighters moved into excitement. With three examples it was shown that voluntary fire brigade members on meager benefits of the statutory accident insurance services. Obviously, there were significant gaps in the coverage of Firefighters. This is actually not so. "<<

>> "If the maker of ZDF magazine WISO their journalistic duty of care only partly fulfilled would have you with the relevant insurance carrier would be investigated and another has been forced reporting. This was probably not intentionally, perhaps because of the quota."<<

>> "Obviously Extras include the extensive legal performance of statutory accident insurance, which is a Solidarcharakter and has been almost 125 years, also features. The Social Security Code set detachment of entrepreneurs liability and the principle of safeguarding the peace operation (104 if. SGB VII) found also for the families of the volunteer firefighters reflected in the limitation of liability "under other statutory provisions, such as the Road Act (StVG) or the Civil Code (BGB). This will include claims for damages such as pain excluded, even if several volunteer fire departments together on a one sentence job action. This includes other benefits of the statutory accident insurance is not enough. Excluded are other benefits in accordance with statutory provisions, such as intangible damage "<<


It remained for us a few questions and we hooked to the competent fellow at the box office by telephone after an accident.
It is indeed the case that there is this disclaimer there. However, this includes, according to statement, e.g. the pain and suffering claims. The background to this disclaimer is the fact that the members of a company, in our case the firefighters to sue them. By contrast, the legislature is called the "maintenance of peace operation", if you wanted to proceed, because otherwise a plea feared would flood, so we take on. This disclaimer covers all the rest ... Should e.g. an employee of a private firm to a colleague inflict an injury and while both are working on the same insurance coverage so that the same applies.

The material damage of the parties but in any case be replaced. If health damage caused by the incident arose, occur, a doctor must determine this. This assessment is then used as a basis for any services used. So it is according to the relevant employee of the accident fund Saxony - Mrs. Black, not that this benefit is denied in principle.

The WISO report of 17.11.2008 as video »


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