appel42 wrote:@ cone: so if i accidently damage someone elses property (like mentioned above) they cannot just demand that I pay for it, if i don't want to? so they are unable to go to the court and say "he damaged my item X and refuses to pay for the damage, so I will take him to court"?
you see, the cultural difference seems to be so strong, i cannot quite get my head around it. and what happens when i visit germany and something happens and i am not insured? :>
I must say, I am also struggling to get my head around your experience in Germany too, but I guess it has much to do with the fact that here people usually insure themselves against damage (rather than insure themselves for causing accidental damage).
and it does not always have to be against items. as in the examples above, it could be a person, you cause injury or even death by accident. ok, the NHS pays for the treatment, but what if they are unable to work afterwards, who pays their pension etc? this can happen without it being a criminal offence, as in the example, you cross the road without paying attention, something happens, the other person is subsequently injured and cannot return to work, if they don't have an income protection insurance, they only get state pension. is this then just "bad luck" and the victims fault for not getting insured?
appel42 wrote:But still, if someone damages my car or spills wine over my carpet (or other cases) surely they are to blame (even if not deliberate damage) and I would expect them to pay for it rather than making a claim to my insurance to pay for someone elses fault.
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