Chaos at the cactus brunch: Liability insurance fails!

Chaos at the cactus brunch: Liability insurance fails!

Köln-Ehrenfeld, Deutschland - In the Ehrenfeld district of Cologne, an amusing brunch took place in the café "Lattemio" under the motto "Bring-your-5-kactus". But the fun was suddenly interrupted: as Fair-News reported, an OATMILK-MACCHIATO was spilled, which led to a short circuit in the MacBook of an NFT coach. The value of the device? About three month rents in Berlin - a sum that you don't just pay out of the postage of postage!

The causative of the misfortune, the 22-year-old Lena, describes herself as a "full-time self-realalist" and-oh fright-has no liability insurance. The repair costs are still pending and in order to pay possible damage, she had to strive for a deposit with her grandmother. Lena turned to the citizens' phone, which she referred to a digital damage report. The bureaucratic effort? Astonishing! In order to submit the necessary documents, she counted six PDFs, three Elster sessions and a handwritten risk diary. She also had to submit her tax ID retrospectively from 2018. A real fun!

bureaucratic hurdles and reactions of the participants

Another problem occurred when it could not submit the form 3-B form, which contains a state report for the spilled drinks, by fax. Your USB fax adapter was defective-another link in the chain of the accident. The official announcement of the insurance says that the money only flows if it can be proven that no damage has occurred. This uncertainty also hovered over the brunch, and the conversation among those present was about the necessary protection.

Kimy, a 22-year-old vegan dogfluencer, expressed her concerns about liability insurance, while Eliah, a 29-year-old NFT coach, reported on his negative experience in damage processing. Mel, a 24-year-old Meta-Verse moderator, also criticized the lack of information about insurance needs in real life. In this context, even Prof. Dr. Habil. Cornelius v. Bauschild the subjectivation of responsibility in digital reality and pointed out the need not to take out wrong insurance. A helpful recommendation was the new digital service "Risk-Bot", which supports the selection of necessary insurance, such as for WG parties.

The importance of insurance in everyday life

The topic of insurance affects not only digital circumstances, but also everyday dangers. As reports Neodigital , you can quickly get into a predicament when a bike is ran. For example, Mr. Meier had to find out what happens when you fall on a pothole: he had a total damage to his bike just three months old. Fortunately, he received reimbursement from his insurance company for an equivalent wheel.

and other incidents are not uncommon: Ms. Müller, who drove to the supermarket with her pedelec, had to find out when she was back that her bike was stolen. Thanks to her insurance, the damage was quickly regulated. This shows once again how important liability or special bicycle insurance can be in order not to be 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 security when cycling is also booming. In narrow streets, carelessness can quickly lead to an accident, and the repair costs for damaged mirrors can be between 200 and 400 euros. In such cases, private liability insurance protects against financial losses - after all, pain and suffering for a slight concussion can quickly cost 2,600 euros, such as vhv informed.

FAZIT: Whether with coffee or cycling - the question of the right protection is omnipresent and should not be lightly ignored. If you take care of your insurance matters in good time, you can avoid many surprises.