{"id":100920,"date":"2026-08-24T08:00:00","date_gmt":"2026-08-24T06:00:00","guid":{"rendered":"https:\/\/ru.law\/?p=100920"},"modified":"2026-08-24T10:08:53","modified_gmt":"2026-08-24T08:08:53","slug":"gliedertaxe-unfallversicherung","status":"publish","type":"post","link":"https:\/\/ru.law\/en\/gliedertaxe-unfallversicherung\/","title":{"rendered":"Understanding the scale of compensation for bodily injuries \u2013 the dispute over the degree of disability after an accident"},"content":{"rendered":"<h2 class=\"wp-block-heading\" id=\"h-wie-die-gliedertaxe-funktioniert-und-wie-der-versicherer-uber-teilfunktion-vorinvaliditat-vorschaden-und-gutachten-den-invaliditatsgrad-senkt\"><strong>How the scale of compensation for bodily injuries works and how the insurer reduces the degree of disability based on partial function, pre-existing disability, prior damage and expert opinions.<\/strong><\/h2>\n\n\n\n<p>Are you in dispute with your accident insurance company over the amount of your disability benefit after an accident? The degree of disability is crucial, and this is usually determined according to the so-called scale of benefits for specific injuries. Disputes primarily revolve around partial functional impairment, pre-existing disabilities and pre-existing conditions, and how the insurer reduces the degree of disability through expert opinions. Rogert &amp; Ulbrich review the assessment and enforce your claim against the insurer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What the scale of compensation for bodily injuries is and why it determines the payout<\/strong><\/h2>\n\n\n\n<p>The scale of disability is a table in the accident insurance policy terms and conditions. It assigns fixed degrees of disability, expressed as a percentage, to the complete loss or total loss of function of individual body parts and sensory organs. This degree of disability directly determines the amount of your benefit.<\/p>\n\n\n\n<p>The basic calculation is simple: The disability benefit is calculated by multiplying the sum insured by the degree of disability. With a high sum insured, every percentage point can therefore make a significant difference. This is precisely why the degree of disability is the most frequent point of contention.<\/p>\n\n\n\n<p>From his previous work on the insurance company side, lawyer Dario Kovac knows where insurers regularly reduce the severity of injuries in their scale of compensation. Understanding this system allows one to effectively challenge an excessively low assessment.<\/p>\n\n\n\n<p>Does your payout seem too low? Don&#039;t accept the statement without checking it, because a <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/leistungsablehnungen-durch-versicherer\/\">Benefit reduction by the insurer<\/a> This can often be corrected.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How the scale of compensation for limbs works: fixed values for body parts<\/strong><\/h2>\n\n\n\n<p>For total loss or complete impairment, the schedule of compensation for bodily injury provides fixed percentages. The exact values depend on your specific terms; in many contracts, they fall roughly within this range:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>arm and hand<\/strong>: one arm at around 70 percent, one hand at about 55 percent.<\/li>\n\n\n\n<li><strong>finger<\/strong>The thumb is responsible for about 20 percent of cases, the index finger for about 10 percent, and another finger for about 5 percent.<\/li>\n\n\n\n<li><strong>leg and foot<\/strong>: one leg at around 70 percent, one foot at about 40 percent.<\/li>\n\n\n\n<li><strong>sensory organs<\/strong>: the visual acuity of one eye at about 50 percent, the hearing of one ear at around 30 percent.<\/li>\n<\/ul>\n\n\n\n<p>These values apply to complete loss. In practice, however, the impairment is rarely complete. This is where partial functional impairment comes into play, and this is precisely where the real dispute begins.<\/p>\n\n\n\n<p>You don&#039;t know the values in your contract? Have your terms and conditions reviewed, because the scale of compensation for bodily injuries may differ from the usual values.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Partial functional impairment: the calculation example<\/strong><\/h2>\n\n\n\n<p>If a body part is not completely but only partially impaired, the degree of disability is calculated proportionally. It is derived by multiplying the value of the limb in the compensation schedule by the degree of functional impairment.<\/p>\n\n\n\n<p>For example: After an accident, the function of your hand is permanently reduced by half. If the disability rating for the hand is 55 percent, this results in a degree of disability of 55 percent multiplied by 50 percent, or 27.5 percent. With an insured sum of \u20ac100,000, this corresponds to a disability benefit of \u20ac27,500, provided no progressive benefit is agreed upon.<\/p>\n\n\n\n<p>Even a small shift can have a significant impact. If the insurer assesses the functional impairment at only 30 percent instead of 50 percent, the degree of disability drops to 16.5 percent, and the benefit in this example falls to \u20ac16,500. A difference of approximately \u20ac11,000 thus depends solely on the assessment of the functional impairment.<\/p>\n\n\n\n<p>Is your insurer assessing your functional impairment very low? This is precisely where a review is worthwhile, often with a counter-assessment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Where the insurer breaks down the degree of disability<\/strong><\/h2>\n\n\n\n<p>When assessing the benefit, the insurer has several points of leverage to reduce the degree of disability and thus the benefit:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Impaired function<\/strong>The most common approach is a conservatively assessed impairment of function. Expert reports regularly prepared for insurers often set the percentage low.<\/li>\n\n\n\n<li><strong>Classification of the body part<\/strong>If a limitation is assigned to a smaller body part, such as a finger instead of the hand, the underlying value of the limb tariff decreases.<\/li>\n\n\n\n<li><strong>Pre-existing disability<\/strong>If the affected body part was already impaired before the accident, the insurer will deduct this pre-existing disability. However, the deduction must be documented and correctly calculated.<\/li>\n\n\n\n<li><strong>Participation share<\/strong>If pre-existing conditions or prior damage contributed to the claim, the insurer may further reduce the payout. However, this is subject to certain conditions and thresholds, which we will discuss in more detail in a separate article.<\/li>\n\n\n\n<li><strong>Overlooked progression<\/strong>If your contract includes a progression clause, the benefit increases disproportionately in cases of high disability levels. A base degree that is set too low prevents the progression from taking effect.<\/li>\n<\/ul>\n\n\n\n<p>The key tool in this process is the expert report. The insurer commissions an expert and accepts their assessment, particularly if it results in a low degree of disability. Such reports often assess the functional impairment conservatively, downplay individual limitations in movement, and support deductions for pre-existing disabilities and prior injuries. Therefore, a one-sided report is rarely the final word.<\/p>\n\n\n\n<p>Each of these points is verifiable. Often, several small deductions add up to a significantly lower payout.<\/p>\n\n\n\n<p>Is the insurer basing the reduction on pre-existing disability or a low classification? Have each individual deduction reviewed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Injuries not covered by the scale of compensation for bodily injuries<\/strong><\/h2>\n\n\n\n<p>Not every injury is covered by the scale of compensation for bodily injuries. There are no fixed percentages for body regions such as the spine, internal organs, or for psychological consequences. In these cases, the degree of disability is assessed based on the extent to which your general physical or mental capacity is permanently impaired.<\/p>\n\n\n\n<p>This method of assessment outside the standard scale of compensation for bodily injury is particularly prone to disputes because it relies more heavily on expert opinion. Therefore, meticulous medical documentation that clearly and comprehensibly demonstrates the extent of the impairment is all the more crucial.<\/p>\n\n\n\n<p>Does your injury affect a body part not listed in the scale of compensation for bodily injuries? Have your ability to work professionally assessed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What you should do if the degree of disability is too low<\/strong><\/h2>\n\n\n\n<p>If the assessment seems too low to you, the medical and legal aspects will be examined. These steps will help:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Trace the billing<\/strong>: Have the value assigned to each limb and the level of functional impairment disclosed to you.<\/li>\n\n\n\n<li><strong>Review expert opinions<\/strong>Check how the report explains the functional impairment and whether it fully captures your limitations.<\/li>\n\n\n\n<li><strong>Consider a counter-report<\/strong>An independent expert opinion can correct an underestimated impairment of function.<\/li>\n\n\n\n<li><strong>Question deductions<\/strong>: Demand a comprehensible explanation for pre-existing disability and contributory negligence.<\/li>\n\n\n\n<li><strong>Meet deadlines<\/strong>: Pay attention to the deadlines for determining and claiming disability as well as to limitation periods.<\/li>\n<\/ul>\n\n\n\n<p>This article is part of our series on private accident insurance. We will cover the details of deadlines and how insurers reduce payouts based on contributory negligence in separate articles. You can find an overview of our work on our website. <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/rechtsanwalt-fuer-unfallversicherung\/\">Lawyer specializing in accident insurance<\/a>.<\/p>\n\n\n\n<p>The sooner the assessment is reviewed, the better the degree of disability can be corrected. Have your statement of claim reviewed while the deadlines are still open.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Rogert &amp; Ulbrich \u2013 Your lawyers in insurance law<\/strong><\/h2>\n\n\n\n<p>Rogert &amp; Ulbrich represent policyholders nationwide in disputes with their private accident insurance companies. Attorney Dario Kovac, who is familiar with insurers&#039; review and rejection strategies from his previous work on the insurers&#039; side, serves as the contact person. We combine this insider knowledge with the firm&#039;s consumer protection experience from major cases in banking, capital markets, and automotive law. This allows us to engage with insurers on equal footing.<\/p>\n\n\n\n<p>We review your invoice and the underlying expert opinion, check the applied value for the limb and the functional impairment, and question deductions for pre-existing disability and contributory negligence. During the <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/pruefung-und-durchsetzung-von-anspruechen-aus-versicherungsvertraegen\/\">Examination and enforcement of claims arising from insurance contracts<\/a> We represent you out of court and, if necessary, in court. We involve any existing legal expenses insurance early on and obtain the coverage confirmation for you.<\/p>\n\n\n\n<p>Has your accident insurance company assessed your degree of disability too low? Get in touch and secure your claims.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs-haufig-gestellte-fragen-zur-gliedertaxe\"><strong>FAQs \u2013 <strong><strong><strong><strong><strong><strong>Frequently asked questions about the scale of compensation for bodily injuries<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-ed0fa9cc uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height\" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-f9785a0e\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What is the scale of benefits?<\/span><\/div><div class=\"uagb-faq-content\"><p>The scale of benefits for bodily injuries is a table included in the terms and conditions of accident insurance. It assigns fixed degrees of disability to the complete loss or total loss of function of individual body parts and sensory organs. It thus significantly determines the amount of the disability benefit. The specific values can vary from contract to contract.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-eef02c53\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">How is the degree of disability calculated?<\/span><\/div><div class=\"uagb-faq-content\"><p>In the case of total loss, the fixed value of the limb tariff applies. If a body part is only partially impaired, the limb tariff value is multiplied by the degree of functional impairment. The benefit is calculated from the degree of disability by multiplying it by the sum insured. An agreed-upon progression can further increase the benefit in cases of severe disability.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-7b6999cf\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What does partial functional impairment mean?<\/span><\/div><div class=\"uagb-faq-content\"><p>Partial functional impairment exists when a body part is not completely, but only partially, restricted in its function. The degree of disability is then calculated proportionally. For example, if half of a hand is functionally impaired and the value for the limb in the compensation schedule is 55 percent, the resulting degree of disability is 27.5 percent. The exact percentage of functional impairment is the most frequent point of contention.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-a5f0bb69\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">How high is the payout from accident insurance?<\/span><\/div><div class=\"uagb-faq-content\"><p>The disability benefit is calculated by multiplying the sum insured by the degree of disability. With a sum insured of \u20ac100,000 and a degree of disability of 27.5 percent, this would amount to \u20ac27,500, assuming no progressive benefit applies. If a progressive benefit is agreed upon, the benefit can be significantly higher for higher degrees of disability. The specific figures depend on your policy.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-28b6f38a\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What is pre-existing disability?<\/span><\/div><div class=\"uagb-faq-content\"><p>Pre-existing disability means that the affected body part was already functionally impaired before the accident. The insurer is permitted to deduct this pre-existing impairment from the degree of disability. However, the deduction must be verifiably documented and correctly calculated. You should not accept blanket assumptions regarding pre-existing disability without verification.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-922e0bf1\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What applies to injuries that are not listed in the schedule of compensation for bodily injuries?<\/span><\/div><div class=\"uagb-faq-content\"><p>For body regions such as the spine, internal organs, or psychological consequences, there are no fixed percentages. The degree of disability is then assessed based on the extent to which your general physical or mental capacity is permanently impaired. This assessment relies more heavily on expert evaluation. Therefore, thorough medical documentation is particularly important.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-910f255b\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What is a progression?<\/span><\/div><div class=\"uagb-faq-content\"><p>A progressive benefit is an agreement whereby benefits increase disproportionately with higher degrees of disability. Above certain thresholds, the degree of disability is weighted more heavily, resulting in a significantly higher payout. However, a base degree that is set too low can prevent the progressive benefit from taking effect at all. Whether and how a progressive benefit is included in your policy is detailed in your contract.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-4c94d4a0\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Why is the insurer setting the degree of disability too low?<\/span><\/div><div class=\"uagb-faq-content\"><p>This often occurs through a conservative assessment of functional impairment, classification as a smaller body part, or deductions for pre-existing disability and contributory negligence. Expert opinions prepared for insurers often set the degree of disability low. Because every percentage point can significantly impact the payout, a review is almost always worthwhile. Several small deductions quickly add up to a considerably lower benefit.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-44975cc3\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Is a second opinion worthwhile?<\/span><\/div><div class=\"uagb-faq-content\"><p>Often, yes. An independent expert opinion can correct an underestimated impairment of function and refute a biased insurance assessment. Especially with high insurance payouts, the effort can be well worth it, as even a few percentage points can make a difference of several thousand euros. Whether a counter-assessment is worthwhile can be determined based on the existing valuation.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-7ab03cea\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">When should I consult a lawyer?<\/span><\/div><div class=\"uagb-faq-content\"><p>The best time to do this is early, at the latest when you receive the insurer&#039;s statement and it seems too low. The sooner the value of the disability rating, functional impairment, and deductions are reviewed, the better the degree of disability can be adjusted. Existing legal expenses insurance often covers the costs. We will check your coverage and, if necessary, obtain a confirmation of coverage. Contact us and secure your rights.<\/p><\/div><\/div><\/div>\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Wie die Gliedertaxe funktioniert und wie der Versicherer \u00fcber Teilfunktion, Vorinvalidit\u00e4t, Vorsch\u00e4den und Gutachten den Invalidit\u00e4tsgrad senkt Nach einem Unfall streiten Sie mit Ihrer Unfallversicherung [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":100921,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[1478],"tags":[1655,1654,1653],"class_list":["post-100920","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-versicherungsrecht","tag-bfindungsangebot-berufsunfaehigkeitsversicherung","tag-bu-vergleich-versicherer","tag-bu-rente-abfinden"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Gliedertaxe Unfallversicherung: Invalidit\u00e4tsgrad- R&amp;U<\/title>\n<meta name=\"description\" content=\"Die Gliedertaxe bestimmt den Invalidit\u00e4tsgrad und damit Ihre Auszahlung. 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