With a Private Liability Insurance (AVP), as a resident of Rijswijk, you are covered for damage you unintentionally cause to others. For victims of personal injury, it is crucial to understand how this insurance works.
What is covered under the AVP?
The AVP provides protection against liability for damage you cause as a private individual to others, both material and personal damage (injury).
Which situations are insured?
| Scenario | Coverage | Conditions |
|---|---|---|
| Damage caused by your children | Yes, up to the insured amount | Only with family coverage |
| Damage caused by pets | Often yes | Check exclusions for specific animals |
| Injuries during sports or play | Limited | Depends on the situation |
| Damage to borrowed goods | Usually no | Additional coverage sometimes possible |
| Intentional damage | No | Always excluded |
Claiming damage via the at-fault party's AVP
As a victim of personal injury in Rijswijk, you can directly file a claim with the AVP insurer of the responsible person.
Direct action
Pursuant to Article 7:954 of the Civil Code, as an injured party, you can file a claim directly with the insurer, without being dependent on the at-fault party.
Steps for a direct claim
- Step 1: Request the insurance details of the at-fault party
- Step 2: File the damage claim with the insurer
- Step 3: The insurer assesses liability
- Step 4: Upon acknowledgment, the damage is compensated
- Step 5: In case of rejection: file an objection or seek legal assistance
Maximum payouts
The insured amount determines the maximum compensation you can receive upon a claim.
| Type of policy | Maximum amount | Suitable for |
|---|---|---|
| Basic package | €1,250,000 | Minor damages |
| Standard package | €2,500,000 | General situations |
| Extended package | €5,000,000 or more | Serious personal injury |
Limitations and exclusions
In Rijswijk, not all damages fall under the AVP. It is important to know the exclusions.
Common exclusions
- Damage caused intentionally
- Damage by motorized vehicles (falls under motor vehicle liability insurance)
- Damage during work as an employee
- Damage to rented or borrowed property
- Damage due to inappropriate behavior
Disputes with AVP insurers
It may happen that you experience problems with the at-fault party's insurer in Rijswijk.
Common disputes
Dispute over liability
The insurer denies that their client is responsible. Tip: gather evidence, such as witness statements, and consider legal support.
Disagreement over damage amount
The insurer acknowledges liability, but not the amount of damage. Tip: support your claim with documentation and expert reports.
Slow handling
The insurer does not respond or responds slowly. Tip: set deadlines and point out possible complaints to the Kifid or legal proceedings.
Advice for victims in Rijswijk
- Always request the at-fault party's insurance information
- File your claim as soon as possible
- Keep all communication with the insurer
- For serious personal injury, immediately seek help from the Juridisch Loket Rijswijk
- Do not agree to a settlement without expert advice
Relevant institutions in Rijswijk
For legal support, you can go to the Juridisch Loket Rijswijk. In case of disputes, a case can be submitted to the District Court of The Hague, under which Rijswijk falls.