Auch wer vorsichtig ist, macht mal Fehler. Für kleinere Schäden können Sie in der Regel selbst aufkommen, doch manchmal können Unvorsichtigkeiten zu hohen Kosten im fünf-, sechs- oder gar siebenstelligen Bereich führen. In diesem Fall schützt Sie die Haftpflicht vor lebenslangen finanziellen Problemen.
Laut Gesetz geht alleine aus der Haltung eines Tieres eine Gefährdung hervor. Zahme Kleintiere sind durch die Privat-Haftpflichtversicherung abgesichert. Für Hunde oder Pferde wird jedoch eine Tierhalterhaftpflichtversicherung benötigt.
Streitigkeiten können schnell hohe Kosten verursachen, wenn eine gerichtliche Klärung notwendig ist. Durch eine Rechtsschutzversicherung kann dieses Risiko reduziert werden, denn wenn Versicherungsschutz besteht, zahlen Sie lediglich die ggf. vereinbarte Selbstbeteiligung.
Die gesetzliche Unfallversicherung bietet nur Schutz für Arbeitnehmer auf dem Weg von und zur Arbeit und während der Arbeitszeit. Schüler sind ebenfalls nur auf dem Schulweg sowie während der Schulzeit versichert. Kleinere Kinder haben überhaupt keinen Versicherungsschutz. Die private Unfallversicherung ergänzt die gesetzliche Unfallversicherung.
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