Suche
Mein Konto
Chaos at the cactus brunch: liability insurance is missing!
Brunch in Cologne-Ehrenfeld ends chaotically with spilled Oatmilk macchiato and questions about liability law.
Chaos at the cactus brunch: liability insurance is missing!
An amusing brunch took place today in the “LatteMio” café in Cologne’s Ehrenfeld district under the motto “Bring-your-own-cactus”. But the fun was suddenly interrupted: How fair news Reportedly, an Oatmilk macchiato was spilled, causing a short circuit in an NFT coach's MacBook. The value of the device? About three months' rent in Berlin - a sum that you can't just pay out of petty cash!
The person who caused the mishap, 22-year-old Lena, describes herself as a “full-time self-actualizer” and – oh my god – has no liability insurance. The repair costs are still outstanding and in order to pay for possible damages, she had to ask her grandmother for a deposit. Lena turned to the citizen hotline, which referred her to a digital damage report. The bureaucratic effort? Astonishing! To submit the required documents, she tallied six PDFs, three ELSTER sessions and a handwritten risk diary. She also had to submit her tax ID retroactively from 2018. Real fun!
Bureaucratic hurdles and reactions from those involved
Another problem arose when she was unable to fax in Form 3-B, which contains a status report for the spilled drinks. Your USB fax adapter was defective - another link in the chain of misfortune. The official statement from the insurance company states that the money will only be paid if it can be proven that no damage has occurred. This uncertainty also hovered over the brunch, and the conversation among those present revolved around the necessary insurance.
Kimy, a 22-year-old vegan dogfluencer, expressed her concerns about liability insurance, while Eliah, a 29-year-old NFT coach, shared his negative claims settlement experience. Mel, a 24-year-old Metaverse moderator, also criticized the lack of education about insurance needs in real life. In this context, even Prof. Dr. habil. Cornelius v. Bauschild highlighted the subjectification of responsibility in digital reality and pointed out the need not to take out false insurance. A helpful recommendation was the new digital service “Risk-BOT”, which supports the selection of necessary insurance, such as for shared apartments.
The importance of insurance in everyday life
The topic of insurance not only affects digital circumstances, but also everyday dangers. How neodigital As reported, you can quickly find yourself in an awkward situation when riding a bicycle. Mr. Meier, for example, had to find out what happens if you fall on a pothole: his bike, which was just three months old, was totaled. Luckily, his insurance company reimbursed him for an equivalent bike.
And other incidents are not uncommon: Ms. Müller, who rode her Pedelec to the supermarket, discovered on the way back that her bike had been stolen. Thanks to their insurance, the damage was settled quickly. This shows once again how important liability insurance or special bicycle insurance can be in order not to be left out in the rain in such moments.
The numbers are alarming: in 2022 alone there were 265,562 bicycle thefts in Germany, which corresponds to around 728 thefts per day. The topic of safety when cycling is also booming. In narrow streets, carelessness can quickly lead to an accident, and the repair costs for damaged mirrors can range between 200 and 400 euros. In such cases, private liability insurance protects against financial losses - after all, compensation for a minor concussion can quickly cost 2,600 euros VHV informed.
Conclusion: Whether at a coffee party or while cycling – the question of the right insurance is omnipresent and should not be ignored lightly. If you take care of your insurance matters in a timely manner, you can avoid many surprises.