{"id":103824,"date":"2026-10-29T10:00:00","date_gmt":"2026-10-29T09:00:00","guid":{"rendered":"https:\/\/ru.law\/?p=olg-karlsruhe-rechtsschutz-impfschaden-urteil"},"modified":"2026-10-29T09:56:27","modified_gmt":"2026-10-29T08:56:27","slug":"olg-karlsruhe-rechtsschutz-impfschaden-urteil","status":"publish","type":"post","link":"https:\/\/ru.law\/en\/olg-karlsruhe-rechtsschutz-impfschaden-urteil\/","title":{"rendered":"Karlsruhe Higher Regional Court: Legal expenses insurance must pay for vaccination injury claim"},"content":{"rendered":"<h3 id=\"h-rechtsschutzversicherer-muss-klage-gegen-biontech-wegen-fatigue-syndrom-decken\" class=\"wp-block-heading\">Legal expenses insurer must cover lawsuit against BioNTech regarding fatigue syndrome<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Higher Regional Court of Karlsruhe has ordered Zurich Legal Protection to provide coverage to a vaccine victim for his claim for damages against the manufacturer of Comirnaty. Rogert &amp; Ulbrich represented the insured.<\/p>\n\n\n\n<h2 id=\"h-der-fall\" class=\"wp-block-heading\">The case<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The plaintiff is co-insured under his wife&#039;s legal expenses insurance. Since the vaccination, he has suffered from, among other things, persistent fatigue, weakness, concentration problems, and insomnia, and intends to claim \u20ac100,000 in damages from the manufacturer. The insurer refused coverage due to a lack of prospects of success. The Mosbach Regional Court granted the plaintiff&#039;s claim for coverage.<\/p>\n\n\n\n<h2 id=\"h-die-entscheidung\" class=\"wp-block-heading\">The decision<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Higher Regional Court of Karlsruhe dismissed the insurer&#039;s appeal (12 U 141\/24). The key points:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Generous scale:<\/strong> Sufficient prospects of success exist if winning is just as likely as losing.<\/li>\n\n\n\n<li><strong>Difficult questions of fact:<\/strong> Whether the presumption of causality under Section 84 Paragraph 2 of the German Medicines Act (AMG) applies to the fatigue syndrome is a difficult question of fact. It belongs in the proceedings against the manufacturer, not in the dispute with the insurer.<\/li>\n\n\n\n<li><strong>Temporal context:<\/strong> The plaintiff stated that the symptoms began a few days after the vaccination and named witnesses to support this claim.<\/li>\n\n\n\n<li><strong>Co-insured persons entitled to bring legal action:<\/strong> The co-insured husband was allowed to assert the claim himself.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For other complaints, such as increased susceptibility to infection, the court saw little chance of success. However, the fact that the claim regarding the fatigue syndrome was deemed promising was sufficient for coverage.<\/p>\n\n\n\n<h2 id=\"h-das-urteil-im-volltext\" class=\"wp-block-heading\">The full text of the judgment<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The full text of the decision of the Higher Regional Court of Karlsruhe (case no. 12 U 141\/24) can be downloaded here: <a href=\"https:\/\/ru.law\/wp-content\/uploads\/2026\/10\/Urteil_OLG_Karlsruhe_12_U_141-24339775.pdf\">Judgment 12 U 141\/24 as PDF<\/a>. Personal data has been redacted.<\/p>\n\n\n\n<h2 id=\"h-rogert-amp-ulbrich-ihre-anwalte-bei-impfschaden\" class=\"wp-block-heading\">Rogert &amp; Ulbrich \u2013 Your lawyers for vaccine injuries<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rogert &amp; Ulbrich represents vaccine victims nationwide against vaccine manufacturers and <a href=\"https:\/\/ru.law\/en\/versicherungsrecht\/rechtsanwalt-fuer-rechtsschutzversicherung\/\">Legal expenses insurers<\/a>. The partners <a href=\"https:\/\/ru.law\/en\/rechtsanwalt\/dr-marco-rogert\/\">Dr. Marco Rogert<\/a> and <a href=\"https:\/\/ru.law\/en\/rechtsanwalt\/tobias-ulbrich\/\">Tobias Ulbrich<\/a> Numerous proceedings are conducted under the Medicines Act, ranging from requests for information to appeals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Is your legal expenses insurance refusing to cover a claim for vaccine injury? Take <a href=\"https:\/\/ru.law\/en\/kontakt\/\">contact<\/a> and secure your claims.<\/p>\n\n\n\n<h2 id=\"h-faqs-zum-urteil-des-olg-karlsruhe\" class=\"wp-block-heading\">FAQs on the ruling of the Higher Regional Court of Karlsruhe<\/h2>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-db34d9ce 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     uagb-faq__wrap uagb-buttons-layout-wrap\" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-391ce5fb\" 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 must legal expenses insurer cover a claim for vaccine injury?<\/span><\/div><div class=\"uagb-faq-content\"><p>If legal expenses insurance for damages claims is agreed upon and the lawsuit has a reasonable prospect of success, an uncertain outcome of the proceedings is sufficient.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-3e65931e\" 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 the insurer allowed to assess causality itself?<\/span><\/div><div class=\"uagb-faq-content\"><p>No. A preliminary evaluation of evidence does not generally take place in the cover proceedings. Difficult factual questions must be clarified in the liability proceedings.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-a19df6ab\" 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 do after a rejection?<\/span><\/div><div class=\"uagb-faq-content\"><p>Have the justification reviewed. If it is invalid, you can enforce your right to coverage through legal action. Rogert &amp; Ulbrich will assist you with this.<\/p><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>The Higher Regional Court of Karlsruhe has ordered Zurich Legal Protection to cover a vaccination injury claim against BioNTech. Summary and judgment as a PDF.<\/p>","protected":false},"author":21,"featured_media":103840,"comment_status":"closed","ping_status":"closed","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":[1455,507],"tags":[1465,1887,1457,1886,1885,1535],"class_list":["post-103824","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-impfschaeden","category-urteile","tag-biontech","tag-deckungszusage","tag-impfschaden","tag-olg-karlsruhe","tag-rechtsschutzversicherung","tag-urteil"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>OLG Karlsruhe: Rechtsschutz muss Impfschadenklage zahlen<\/title>\n<meta name=\"description\" content=\"OLG Karlsruhe 12 U 141\/24: Rechtsschutzversicherer muss Klage gegen BioNTech wegen Fatigue-Syndrom decken. 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