You have to think of hans kohmann as a positive person: even if he, like many others these days, is a bit more worried and concerned about corona and the risk it entails – the recently 83-year-old man is on the road several times a week.
Bamberg's oldest pizza driver still enjoys his job: "I think pizza driving is a good thing
Other countries, other customs. If you travel by car, you need to be aware of the limits of your insurance coverage. Not all countries have the best payment practices, and the performance of insurance companies is not comparable to that in Germany.
Foreign damage protection insurance can help you out here. It ensures that vehicle drivers don't get the big end of the stick in the event of an accident abroad that wasn't their fault.
With the step into self-employment also arises the question of insurance against associated risks. The decision for and against certain insurances is anything but easy. After all, each of these costs money, and that is usually scarce at the beginning of a business start-up.
At the same time, the negative consequences can be severe if you fail to provide sufficient security for yourself. But which insurances are necessary from the beginning and which can be postponed until the business is up and running?? In the following article we present the five most important insurances for founders.
The primary goal of personal life insurance is to cover final expenses and protect beneficiaries from a loss of income or debt burden in the event of a family member's death. Permanent life insurance policies, however, build cash values that can be used for retirement or emergency use. Whole life and variable universal life (VUL), if properly funded, offer the opportunity to accumulate cash that can be accessed as needed through policy loans or direct withdrawals.
Since the Alpine country between France, Italy, Germany and Austria pays the highest salaries in the world, working in Switzerland can really pay off. On the other hand, of course, the cost of living is correspondingly high. As a German commuter living near the border and performing work in Switzerland, you have the advantage of enjoying the wage benefits while making your purchases in Germany. Yet Zurich and Basel – the two cities with the highest earning potential – are not far from the border.
Probably everyone has lent their car to someone else at some time or another. But who thinks about the fact that this may well entail legal consequences? It starts with insurance coverage and possibly ends with legal consequences. So what should you look out for if you want to lend your car out?
If you rent out your car, you make it available to another person free of charge. With a rental, on the other hand, the borrower pays a fee. Private car rental is possible, for example, via car-sharing portals where private individuals offer their vehicles for rent.
If dependents have low incomes and these are below the earnings limit for family insurance, there is the possibility of co-insuring the corresponding person free of charge. However, this only applies to members of a statutory health insurance, as the entitlement is based on paragraph 10 of the Fifth Social Security Code. To find out what the current income limits are and what happens if the family member's earnings are higher, see the guide below.
In principle, it is only possible to co-insure family members. The following groups of persons are considered as such in this context:
With Category 4 Hurricane Matthew quickly heading to Florida, it's probably a good time for people living near the coasts to re-evaluate their financial preparedness for a hurricane. While it's easy to assume your homeowner's policy covers every possible claim, it's better to be safe than sorry than to pay thousands of dollars in claims to settle.
Read our tips below to find out if you are financially prepared in the event of a hurricane or other natural disaster. (To read about this, see: 5 Most Expensive Hurricanes in U.S. History. )
"When I was parking out there was suddenly the other vehicle, I didn't see that before at all." Fender benders that occur in parking lots are often excused and justified this way by the person who rear-ended the car. In fact, it was stated in law that the person parking out of the car bears the burden of proof. He must prove that the accident was not his fault, which in many cases is of course difficult to do. In some cases, however, the person parking the car is actually not at fault, because there are drivers who provoke a traffic accident in this way and thus want to collect the insurance sum. This scam is not new, but in the meantime there are not only individual perpetrators, but entire gangs who want to make a living with this method.
The alleged victims who intentionally cause a traffic accident in a parking lot, at a narrowing in the road or at other special features in the traffic routing want to collect the liability insurance of the rear-end driver. They deliberately cause collisions and it does not matter to them that not only property damage but also personal injury can occur in the process. Every deliberately caused accident is outright insurance fraud and insurance companies estimate that they incur a loss of around 1.5 billion a year as a result of this.
I have been asked this question frequently and it can be answered in a relatively general way. Nevertheless, the personal insurance regulation should always be checked in order to be sure that an insurance is also valid. Theft and accident are two completely different topics, so I will also consider them separately here.