{"id":102419,"date":"2026-10-05T11:08:54","date_gmt":"2026-10-05T09:08:54","guid":{"rendered":"https:\/\/ru.law\/?p=102419"},"modified":"2026-10-05T11:08:57","modified_gmt":"2026-10-05T09:08:57","slug":"falschberatung-rentenversicherung-schadensersatz","status":"publish","type":"post","link":"https:\/\/ru.law\/en\/falschberatung-rentenversicherung-schadensersatz\/","title":{"rendered":"Incorrect advice when taking out a pension insurance policy \u2013 compensation instead of a contract"},"content":{"rendered":"<h2 id=\"h-welche-beratungsfehler-einen-anspruch-begrunden-wie-die-beratungsdokumentation-zum-beweismittel-wird-und-welche-fristen-laufen\" class=\"wp-block-heading\"><strong>Which consulting errors justify a claim, how the consulting documentation becomes evidence, and which deadlines apply.<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your pension insurance doesn&#039;t suit your current life situation and you feel you received poor advice when you signed it? If the advisor breached their duties, you may be entitled to compensation under Section 63 of the German Insurance Contract Act (VVG). In that case, you can be put in the position you would have been in had you never entered into the contract. Rogert &amp; Ulbrich will review the advice given and enforce your claims.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Compensation for damages instead of upholding the contract<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many policyholders believe that if they have a poor pension insurance policy, their only option is to cancel it and receive a low surrender value. However, there is another way: claiming damages for negligent advice. If the insurance agent violated their duty to advise and document the policy at the time of purchase, they are liable for the resulting damages under Section 63 of the German Insurance Contract Act (VVG).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The goal is then not to optimize the contract, but to be put in the position you would have been in had you never entered into it. From his previous work on the insurance side, lawyer Dario Kovac is familiar with the consultation processes and knows how to identify errors in advice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do you feel you&#039;ve received bad advice? This path goes beyond a mere... <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/leistungsablehnungen-durch-versicherer\/\">Dispute over performance<\/a>, because it starts right at the conclusion.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Typical advice errors made by the intermediary<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">According to Section 61 of the German Insurance Contract Act (VVG), the intermediary must provide you with advice tailored to your specific needs, determine your requirements, and give a suitable recommendation. If they fail to do so, this constitutes a breach of duty. Typical examples include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Commission not disclosed<\/strong>The intermediary does not disclose any payments or conflicts of interest and recommends a product that primarily benefits him.<\/li>\n\n\n\n<li><strong>Risk profile ignored<\/strong>: A return-oriented or long-term investment is recommended, even though it does not match your risk tolerance or investment horizon.<\/li>\n\n\n\n<li><strong>Pension gap not uncovered<\/strong>The actual insurance needs are not determined, so the contract misses the mark for your situation.<\/li>\n\n\n\n<li><strong>Costs and flexibility were concealed.<\/strong>High closing costs, long contract durations, or the consequences of early termination are not explained.<\/li>\n\n\n\n<li><strong>Unsuitable product<\/strong>A capital-forming insurance policy is sold even though a simpler or more flexible solution would have been a better fit.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The crucial point is that the recommendation, at the time of the consultation, did not align with your goals and circumstances. Not every unfavorable outcome in retrospect constitutes a consulting error, but a recommendation that contradicts your apparent needs often does.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Does any of these points sound familiar? Have the consultant check whether an error has occurred.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The consultation documentation as the key to proof<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The intermediary is obligated to document the reason for the consultation, your wishes, their recommendation, and the reasons for it, and to provide you with this consultation documentation before the contract is concluded (\u00a7\u00a7 61 and 62 of the German Insurance Contract Act). This document will then become the central piece of evidence in the event of a dispute.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the documentation is missing, incomplete, or contradicts what was actually discussed, this can significantly strengthen your position. Case law allows for relaxed evidentiary standards in such cases. We know similar principles from the... <a href=\"https:\/\/ru.law\/en\/bankrecht-b2c\/\">Consumer protection practice in banking and capital markets law<\/a>, where faulty advice is a familiar field.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, save all documents from the closing phase: the consultation documentation, the application, product information, and notes. The better documented the consultation, the easier it is to prove an error.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do you have no or only meager documentation of your consultations? This can actually work in your favor; have it reviewed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What you can claim in terms of compensation<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If a negligent piece of advice can be proven, the claim is based on so-called negative interest. You are to be put in the position you would have been in had the negligent advice not been given. As a rule, this means:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Reversal of the contract<\/strong>Reimbursement of the contributions paid, in exchange for the return of what you have received from the contract.<\/li>\n\n\n\n<li><strong>Compensation for consequential damages<\/strong>: For example, lost returns from an investment you would have chosen without the mistake, insofar as they can be proven.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The advantage over simply canceling the contract is that you are not limited to the low surrender value, but can generally demand a refund of your contributions. Whether compensation is more advantageous than cancellation or revocation depends on the individual case and should be compared.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Want to know what a compensation payment will actually achieve? Have it weighed against termination and cancellation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Statute of limitations: why you shouldn&#039;t wait too long<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Claims for damages due to incorrect advice are subject to a statute of limitations. The standard limitation period of three years applies. It begins at the end of the year in which the claim arose and you became aware, or should have become aware without gross negligence, of the circumstances giving rise to the claim and the identity of the intermediary.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Regardless of knowledge, there are absolute maximum periods after which claims expire. Especially with contracts signed long ago, the statute of limitations is therefore the first point to check. It&#039;s important to note: the limitation period is linked to your knowledge of the issue, not solely to the contract date. Someone who only learns of an error in advice much later may still have time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether your claim is still enforceable often depends on the exact circumstances. <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/pruefung-und-durchsetzung-von-anspruechen-aus-versicherungsvertraegen\/\">Examination and enforcement of claims arising from insurance contracts<\/a>. Prematurely assuming the statute of limitations has expired is just as wrong as waiting too long.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Is your contract years old? Have it checked whether and when the statute of limitations actually applies before you give up.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What you should do if you suspect an error in advice<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you suspect you&#039;ve received incorrect advice, a structured review is essential. These steps will help:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Secure documents<\/strong>: Compile the consultation documentation, application, product information and the insurance certificate.<\/li>\n\n\n\n<li><strong>Document the consultation situation<\/strong>Note down what was discussed, what goals you mentioned, and what was recommended.<\/li>\n\n\n\n<li><strong>Have errors checked<\/strong>Have it determined whether the recommendation met your needs at the time and whether the documentation is complete.<\/li>\n\n\n\n<li><strong>Clarify the statute of limitations<\/strong>Have it checked when you became aware of it and whether the deadline is still open.<\/li>\n\n\n\n<li><strong>Compare routes<\/strong>Compare the options of compensation, cancellation, and termination before making a decision.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">We will cover the details of how termination and cancellation work, and potential points of contention regarding payouts, in separate articles. Whether a clause or piece of advice is contestable often depends on... <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/vertragsauslegung-und-obliegenheitsverletzungen\/\">Contract interpretation and breaches of duty<\/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 consultation is reviewed, the better the claim can be secured. Have your case 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 in claims for damages arising from negligent advice regarding pension and life insurance policies. Attorney Dario Kovac serves as the contact person, drawing on his previous experience working on the insurers&#039; side to understand their review and rejection strategies. We combine this insider knowledge with the firm&#039;s extensive consumer protection experience gained from major cases in banking, capital markets, and automotive law. This allows us to engage with insurers and brokers on equal footing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We review the consultation documentation and the contract, assess whether there was a consulting error, clarify the statute of limitations, and compare claims for damages, revocation, and termination. 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\">Were you given incorrect advice when you took out your pension insurance? Get in touch and secure your entitlements.<\/p>\n\n\n\n<h2 id=\"h-faqs-haufig-gestellte-fragen-zur-falschberatung\" class=\"wp-block-heading\"><strong>FAQs \u2013 Frequently Asked Questions about Misleading Advice<\/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 incorrect advice regarding pension insurance?<\/span><\/div><div class=\"uagb-faq-content\"><p>Misleading advice occurs when an insurance intermediary has violated their duty to advise, for example, by failing to assess your needs, recommending an unsuitable product, or concealing significant disadvantages. The basis for this duty to advise is Section 61 of the German Insurance Contract Act (VVG). In the event of a breach, a claim for damages under Section 63 of the VVG may be considered. The crucial factor is that the recommendation did not align with your goals and circumstances at the time of the consultation.<\/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 can I claim in case of incorrect advice?<\/span><\/div><div class=\"uagb-faq-content\"><p>You can claim damages under Section 63 of the German Insurance Contract Act (VVG) and are entitled to be put in the position you would have been in had you never entered into the contract. This generally means the contract is reversed, with your premiums refunded in exchange for the return of what you received. Documented consequential damages can also be compensated. The advantage over cancellation is that you are not limited to the low surrender value.<\/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 difference between termination and cancellation?<\/span><\/div><div class=\"uagb-faq-content\"><p>If you cancel the contract, you only receive the surrender value, which is often low. With a revocation, the contract is reversed if the cancellation policy was flawed. In contrast, a claim for damages due to incorrect advice addresses the error in the advice given and also leads to the contract being reversed. Which option is most advantageous depends on the individual case and should be compared.<\/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 common consulting mistakes occur?<\/span><\/div><div class=\"uagb-faq-content\"><p>Common examples include concealing commissions or conflicts of interest, ignoring your risk profile, failing to identify a pension gap, concealing high costs or long investment periods, and recommending an unsuitable product. Crucially, the recommendation must have missed your apparent needs. However, not every unfavorable outcome in retrospect constitutes a mistake in the advice given.<\/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\">Why is consultation documentation so important?<\/span><\/div><div class=\"uagb-faq-content\"><p>The intermediary must document the reason for the consultation, your wishes, their recommendation, and the underlying reasons, and provide you with this consultation documentation before the contract is signed. In case of a dispute, this documentation is the key piece of evidence. If it is missing, incomplete, or contradicts what was discussed, this can strengthen your position because the courts may then allow for a relaxation of the burden of proof.<\/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 if I don&#039;t have any consultation documentation?<\/span><\/div><div class=\"uagb-faq-content\"><p>This could work in your favor. The responsibility for documentation and handing over the documents lies with the intermediary. If they cannot prove that proper advice was given, this is often held against them in a dispute. Nevertheless, save all available documents from the closing phase, as they help document the consultation. A legal review will clarify the strength of your position.<\/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\">How do I prove that there was an error in the advice I received?<\/span><\/div><div class=\"uagb-faq-content\"><p>Proof is primarily established through the consultation documentation, the application, product documents, and the described consultation situation. It is crucial to compare your needs at the time with the actual recommendation. Witnesses or emails from the closing phase can supplement this evidence. The better documented the situation, the easier it is to prove the error.<\/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\">When does the claim expire?<\/span><\/div><div class=\"uagb-faq-content\"><p>The standard three-year limitation period applies. It begins at the end of the year in which the claim arose and you became aware of the relevant circumstances, or should have become aware of them without gross negligence. In addition, absolute maximum limitation periods apply. Because the limitation period is linked to your knowledge, a claim may still be valid even for older contracts.<\/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\">Is it worth reviewing an old contract?<\/span><\/div><div class=\"uagb-faq-content\"><p>Often, yes. Because the statute of limitations is linked to your knowledge of the negligent advice and not solely to the contract date, even a contract from some time ago can still be challenged. At the same time, you shouldn&#039;t wait too long, as deadlines are running. A review will clarify whether the claim is still enforceable and which course of action is worthwhile.<\/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>It&#039;s best to act as soon as you suspect you received incorrect advice, as the statute of limitations is running out. The sooner you review the consultation documentation, contract, and deadlines, the better you can secure your claim. Existing legal expenses insurance often covers the costs. We will check your coverage and obtain confirmation of coverage if necessary. Contact us and secure your rights.<\/p><\/div><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Welche Beratungsfehler einen Anspruch begr\u00fcnden, wie die Beratungsdokumentation zum Beweismittel wird und welche Fristen laufen Ihre Rentenversicherung passt gar nicht zu Ihrer Lebenssituation und Sie [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":102423,"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":[1740,1738,1737,37,1739],"class_list":["post-102419","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-versicherungsrecht","tag-beratungsdokumentation-beweis","tag-beratungsfehler-versicherung","tag-falschberatung-rentenversicherung-schadensersatz","tag-schadensersatz","tag-vermittler-falschberatung"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.6 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Falschberatung Rentenversicherung: Schadensersatz- R&amp;U<\/title>\n<meta name=\"description\" content=\"Beim Abschluss der Rentenversicherung falsch beraten? Wann ein Schadensersatz nach \u00a7 63 VVG greift und wie die Beratungsdokumentation zum Beweis wird.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ru.law\/en\/falschberatung-rentenversicherung-schadensersatz\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Falsche Beratung beim Abschluss der Rentenversicherung \u2013 Schadensersatz statt Vertrag\" \/>\n<meta property=\"og:description\" content=\"Beim Abschluss der Rentenversicherung falsch beraten? 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