{"id":101473,"date":"2026-09-07T11:10:09","date_gmt":"2026-09-07T09:10:09","guid":{"rendered":"https:\/\/ru.law\/?p=101473"},"modified":"2026-09-07T11:10:10","modified_gmt":"2026-09-07T09:10:10","slug":"grobe-fahrlaessigkeit-versicherung","status":"publish","type":"post","link":"https:\/\/ru.law\/en\/grobe-fahrlaessigkeit-versicherung\/","title":{"rendered":"Gross negligence \u2013 when the insurer pays out, but reduces the payout."},"content":{"rendered":"<h2 id=\"h-wann-ein-verhalten-grob-fahrlassig-ist-wie-viel-der-versicherer-kurzen-darf-und-wer-was-beweisen-muss\" class=\"wp-block-heading\"><strong>When behavior constitutes gross negligence, how much the insurer is allowed to reduce the payout, and who has the burden of proof.<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Is your insurer accusing you of gross negligence and reducing your benefits? In cases of gross negligence, the insurer is no longer obligated to reduce the benefit to zero, but may only reduce it proportionally, according to the severity of your fault. Whether gross negligence actually exists and the amount of the reduction are often contestable. Rogert &amp; Ulbrich will review the reduction and enforce your claims.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>From all or nothing to quotas: what has changed in Section 81 of the German Insurance Contract Act (VVG).<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you caused the insured event through gross negligence, the insurer could previously refuse to pay out entirely. This is no longer the case. According to Section 81 of the German Insurance Contract Act (VVG), the insurer may now only reduce the payout in cases of gross negligence in proportion to the degree of your fault. This is known as proportional reduction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Only in cases of intent is the insurer completely exempt from liability. In cases of simple negligence, however, the insurer remains fully liable. Gross negligence falls somewhere in between and leads to a proportional reduction in benefits. From his previous work on the insurance side, lawyer Dario Kovac knows that insurers often like to manipulate both the accusation and the percentage of liability to their advantage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Is the insurer reducing the payout due to gross negligence? Don&#039;t accept the justification without question, because a <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/leistungsablehnungen-durch-versicherer\/\">Benefit reduction by the insurer<\/a> is subject to clear conditions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>When behavior is grossly negligent<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Gross negligence means that you have violated the required standard of care in traffic to a particularly serious degree, i.e., you have disregarded what should have been obvious to everyone. This is significantly more than a simple oversight. Whether this threshold has been reached always depends on the individual case. Typical disputes include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Burning candle<\/strong>An unattended candle that causes a fire is often considered gross negligence. However, the specific situation is crucial, including the duration and location.<\/li>\n\n\n\n<li><strong>kettle and stove<\/strong>A kettle or a stovetop left switched on and unattended, causing damage, is a classic accusation. Here, too, the circumstances matter.<\/li>\n\n\n\n<li><strong>unlocked door or tilted window<\/strong>In the case of a burglary, the insurer often bases its claim on an unlocked door or a tilted window. Whether this constitutes gross negligence depends on accessibility and the overall situation.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It&#039;s important to understand that not every mistake constitutes gross negligence. There&#039;s a wide spectrum between a simple oversight and a particularly serious breach of duty of care, and insurers tend to portray every mistake as gross negligence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Does your insurer classify your behavior as grossly negligent? Have it checked whether the threshold has actually been reached in your specific case.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How much the insurer is allowed to reduce the price<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Even if gross negligence is established, this does not automatically determine the amount of the reduction. The percentage depends on the severity of the fault in each individual case. The less serious the accusation, the lower the reduction must be.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There is no rigid rule such as a blanket 50 percent reduction. Depending on the case, the reduction can be significantly lower, and in borderline cases bordering on simple negligence, a reduction may be waived entirely. The insurer must provide a comprehensible justification for its reduction. A schematic or blanket reduction often does not withstand scrutiny.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition, many modern contracts waive the defense of gross negligence entirely or partially. Whether your contract contains such a clause can refute the accusation from the outset.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Does the reduction rate seem too high to you? Have it checked to see if it truly reflects the severity of your offense.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Burden of proof: what the insurer must prove<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The burden of proof is in your favor. The insurer must prove that you caused the insured event through gross negligence. They must therefore present and prove both the external sequence of events and the particularly serious degree of fault.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the circumstances or the extent of the fault remain unclear, this works to the insurer&#039;s detriment. Mere suspicion or general experience is insufficient. The insurer also bears the burden of proof regarding the percentage of liability, as it is relying on the benefit-reducing effect of its objection.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether the accusation and the quota are valid is therefore often a question of... <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/vertragsauslegung-und-obliegenheitsverletzungen\/\">Contract interpretation and breaches of duty<\/a> and the evidence, which can be thoroughly examined.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Is the insurer basing the reduction solely on assumptions? Have it checked whether they can even prove gross negligence.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Gross negligence and duties: the difference<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The reduction in compensation due to gross negligence under Section 81 of the German Insurance Contract Act (VVG) concerns the causation of the damage. This is distinct from the breach of a duty, such as a contractually agreed security obligation. The consequences of a grossly negligent breach of duty are governed by Section 28 of the VVG, which also provides for a proportional reduction according to the degree of fault.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In both cases, the same principle applies: Complete exemption from liability only occurs in cases of intent; in cases of gross negligence, the benefit is reduced proportionally; in cases of simple negligence, the benefit remains payable. Additionally, in cases of breach of duty, the rebuttal of causation applies: If the breach was not the cause of the damage, the insurer remains liable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Is the insurer claiming a breach of duty of care? Have it examined whether the breach was actually the cause of the damage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What you should do if the insurer reduces your payout<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In cases of salary reductions due to gross negligence, a structured review is essential. These steps will help:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Document the sequence of events<\/strong>Document the exact sequence of events and secure photos, witnesses, and other evidence.<\/li>\n\n\n\n<li><strong>Question the accusation<\/strong>Check whether your behavior was truly grossly negligent or just a simple oversight.<\/li>\n\n\n\n<li><strong>Check quota<\/strong>: Demand a comprehensible justification for the amount of the reduction and have it measured against the severity of the fault.<\/li>\n\n\n\n<li><strong>Check conditions<\/strong>Clarify whether your contract waives the defense of gross negligence.<\/li>\n\n\n\n<li><strong>Demanding proof<\/strong>Ask the insurer to explain the basis for their accusation. Mere assumptions are not sufficient.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This point comes up in many areas, from household contents to building insurance. We discuss its impact on water and storm damage, for example, on our page. <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/rechtsanwalt-fuer-gebaeudeversicherung\/\">Lawyer specializing in building insurance<\/a>. You can find an overview of our work in the section below. <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/\">Insurance law<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The sooner the reduction is reviewed, the better your claim can be secured. Have your statement of account assessed 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 class=\"wp-block-paragraph\">Rogert &amp; Ulbrich represent policyholders nationwide when insurers reduce benefits due to gross negligence. Attorney Dario Kovac, who is familiar with insurers&#039; review and reduction 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 class=\"wp-block-paragraph\">We examine the reduction notice and the terms and conditions, question the accusation and the percentage, and check whether the insurer can actually prove gross negligence. In the case of 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 class=\"wp-block-paragraph\">Has your insurer reduced your benefits due to gross negligence? Get in touch and secure your claims.<\/p>\n\n\n\n<h2 id=\"h-faqs-haufig-gestellte-fragen-zur-groben-fahrlassigkeit\" class=\"wp-block-heading\"><strong>FAQs \u2013 <strong><strong><strong><strong><strong><strong><strong>Frequently asked questions about gross negligence<\/strong><\/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 constitutes gross negligence in insurance?<\/span><\/div><div class=\"uagb-faq-content\"><p>Gross negligence means that you have violated the required standard of care to a particularly serious degree, i.e., you have disregarded what should have been obvious to everyone. This is significantly more than a simple oversight. Whether this threshold has been reached depends on the individual case. Not every mistake constitutes gross negligence.<\/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\">Does the insurance company not pay out at all in cases of gross negligence?<\/span><\/div><div class=\"uagb-faq-content\"><p>Yes. Since the reform, Section 81 of the German Insurance Contract Act (VVG) stipulates a proportional reduction: In cases of gross negligence, the insurer may only reduce the payout proportionally, according to the degree of fault. The insurer is only completely exempt from paying out in cases of intent. In cases of simple negligence, the insurer remains fully liable.<\/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\">What is the participation wave? Is an unattended candle considered grossly negligent?<\/span><\/div><div class=\"uagb-faq-content\"><p>Often, but not always. An unattended burning candle that causes a fire is frequently considered gross negligence. However, it depends on the specific circumstances, such as location, duration, and cause. A blanket classification is inadmissible; the individual case is decisive.<\/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\">How much can the reduction be?<\/span><\/div><div class=\"uagb-faq-content\"><p>The percentage of the claim amount depends on the severity of the fault. There is no rigid rule such as a blanket reduction by half. The less serious the accusation, the lower the reduction must be, and in borderline cases, it may be waived entirely. The insurer must provide a comprehensible justification for the percentage.<\/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\">Who has the burden of proving gross negligence?<\/span><\/div><div class=\"uagb-faq-content\"><p>The insurer must present and prove both the sequence of events and the particularly serious negligence. If the course of events or the extent of the negligence remain unclear, this will be held against them. Mere suspicion or general experience is insufficient.<\/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 the difference between simple and gross negligence?<\/span><\/div><div class=\"uagb-faq-content\"><p>Simple negligence is a normal oversight that can happen to anyone and does not lead to a reduction in benefits. Gross negligence is a particularly serious breach of duty of care and allows for a proportional reduction in benefits. There is a large spectrum between the two. Insurers often portray an error as gross negligence in order to justify a reduction in benefits.<\/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\">Can the insurer reduce the payout if a window is tilted?<\/span><\/div><div class=\"uagb-faq-content\"><p>Possibly, but not automatically. In the case of a burglary, the insurer often bases its decision on a tilted window or an unlocked door. Whether this constitutes gross negligence depends on accessibility and the overall situation. And even then, the insurer can only reduce the payout proportionally, not refuse it entirely.<\/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\">What does waiving the defense of gross negligence mean?<\/span><\/div><div class=\"uagb-faq-content\"><p>Many modern contracts waive the defense of gross negligence entirely or partially. If your contract contains such a clause, the insurer cannot reduce the payout, or can only do so to a limited extent, even in cases of gross negligence. Whether and to what extent a waiver is agreed upon is determined by your policy terms and conditions. It&#039;s therefore always worth reviewing your contract.<\/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\">Does the apportionment rule also apply in cases of breached security obligations?<\/span><\/div><div class=\"uagb-faq-content\"><p>Yes. In cases of gross negligence in the breach of obligations, Section 28 of the German Insurance Contract Act (VVG) also stipulates a proportional apportionment of liability based on the degree of fault. Additionally, the rebuttal of causation applies: if the breach was not the cause of the damage, the insurer remains liable. Complete exemption from liability only occurs in cases of intent.<\/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\">When should I consult a lawyer?<\/span><\/div><div class=\"uagb-faq-content\"><p>The best time to proceed is as soon as the insurer announces or implements a reduction in benefits due to gross negligence. The sooner the accusation, the percentage of liability, and the evidence are reviewed, the better you can secure your claim. Existing legal expenses insurance often covers the costs. We will check your coverage and, if necessary, obtain a confirmation of coverage. Contact us today to secure your rights.<\/p><\/div><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Wann ein Verhalten grob fahrl\u00e4ssig ist, wie viel der Versicherer k\u00fcrzen darf und wer was beweisen muss Der Versicherer wirft Ihnen grobe Fahrl\u00e4ssigkeit vor und [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":101475,"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":[1677,1679,1678],"class_list":["post-101473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-versicherungsrecht","tag-mitwirkungsanteil-kuerzung","tag-mitwirkungsschwelle-25-prozent","tag-unfallversicherung-vorerkrankung-kuerzung"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Grobe Fahrl\u00e4ssigkeit: Wenn die Versicherung k\u00fcrzt- R&amp;U<\/title>\n<meta name=\"description\" content=\"Der Versicherer k\u00fcrzt wegen grober Fahrl\u00e4ssigkeit? 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