All of us have bought insurance at one time or another, be it for the car, the house or for our own health. Taking out insurance is supposed to protect us financially in case of an emergency and cover the cost of damages. But what happens if damage occurs for which we are responsible ourselves? Can it be that the insurance company denies or even reduces its performance?? In fact, there are cases where an insurance company will limit its benefits if gross negligence is involved.
The question arises: What is actually gross negligence?? This question is not always easy to answer, as there is no uniform definition. However, there are some criteria that can be considered gross negligence, such as.B. driving under the influence of alcohol or drugs or running a red light. In such cases, the insurance company may limit its benefits or even deny them completely.