With a Private Liability Insurance (AVP), as a resident of Zoetermeer, you are covered for damage you accidentally cause to others. For victims of personal injury, it is useful to understand how this insurance works.
What is covered under the AVP?
The AVP provides protection against claims for damage you cause as a private individual to others, both material damage and personal injury.
Which situations are insured?
| Scenario | Coverage | Conditions |
|---|---|---|
| Damage caused by your children | Yes, up to the insured amount | Included in family policies |
| Damage caused by pets | Often yes | Check exclusions for specific breeds |
| Damage during sports or play | Limited coverage | Depending on the situation |
| Damage to borrowed items | Usually not | Sometimes via additional clause |
| Intentional damage | Not covered | Always excluded |
Claiming damage via the perpetrator's AVP
If you have suffered personal injury in Zoetermeer, you can directly file a claim with the AVP insurer of the responsible party.
Direct action
Pursuant to Article 7:954 of the Dutch Civil Code, as a victim you can directly approach the insurer, without being dependent on the cooperation of the perpetrator.
Steps for a direct claim
- Step 1: Request the insurance details of the perpetrator
- Step 2: File the damage with the insurer
- Step 3: The insurer assesses liability
- Step 4: If agreed, the damage is settled
- Step 5: If rejected: file an objection or start legal proceedings
Amount of coverage
The maximum amount an AVP pays out depends on the insured sum in the policy.
| Type of policy | Maximum amount | Suitable for |
|---|---|---|
| Basic package | €1,250,000 | Minor incidents |
| Standard package | €2,500,000 | General situations |
| Extended package | €5,000,000 or more | Serious personal injury |
Limitations and exclusions
In Zoetermeer, not all damages fall under the AVP. It is important to know the main exclusions.
Common exclusions
- Damage caused intentionally
- Damage by motorized vehicles (falls under WAM)
- Damage during work as an employee
- Damage to rented or borrowed items
- Damage due to inappropriate behavior
Disputes with AVP insurers
It happens that in Zoetermeer there is disagreement with the insurer of the liable party.
Typical disputes
Disagreement over liability
The insurer denies that their client is responsible. Tip: gather evidence, such as witness statements, and seek legal support.
Dispute over damage amount
The insurer acknowledges liability, but not the amount of the claim. Tip: substantiate your claim with documents and expert reports.
Slow handling
The insurer does not respond or responds slowly. Tip: set clear deadlines and consider a complaint with the Kifid or a lawsuit.
Advice for victims in Zoetermeer
- Immediately request the perpetrator's insurance information
- Report the damage to the insurer as soon as possible
- Keep all communication carefully
- For serious personal injury, seek legal assistance, for example via the Juridisch Loket Zoetermeer
- Do not agree to a settlement without expert advice
Frequently asked questions
What to do if I have caused damage in Zoetermeer?
Report this immediately to your AVP insurer, even if you are not sure whether you are at fault. Provide a detailed description of the incident and supply evidence such as photos or statements. Your insurer will assess the case. Do not admit liability without consulting your insurer.
How do I claim personal injury from the perpetrator's AVP?
Request the insurance details, report the damage in writing with a description of the incident and attach evidence (such as medical records). The insurer investigates the case. If approved, you receive compensation; if rejected, you can file an objection or seek help via the Juridisch Loket Zoetermeer.
Which court handles AVP cases in Zoetermeer?
For legal disputes over AVP claims, Zoetermeer falls under the District Court of The Hague.