Source: https://www.lutz-assekuranz.eu/en/news/faq/
Timestamp: 2019-04-21 16:13:01+00:00

Document:
What does the LUTZ carriers liability insurance cover?
The Carrier Liability Insurance is an insurance covering the liability of carriers for national and cabotage road haulage under national freight law and for international transport in accordance with the CMR.
Is Lutz Assekuranz the insurer?
No, LUTZ ASSEKURANZ is an insurance broker that brokers the insurance contract and executes contract management on the basis of powers of attorney. The risk carrier is the insurance company to be found on the policy.
How is the insurance contract carried out?
a precondition for the insurance coverage in the framework of the concluded insurance contract.
How long does the insurance contract last?
In general, up to 31.12. of the following year in which the contract started to run (e.g., from 01.08.2015 to 31.12.2016). The contract is renewed for another year, unless it is formally cancelled later than 30.09. by return note.
What are the benefits the insurer provides?
The insurer shall satisfy justified claims made against the carrier as the insured, and fend off unjustified claims, if necessary, by the provision of a lawyer and acquisition of the resulting legal costs.
Does the insurer always grant insurance protection?
The insurer provides its service (satisfaction or defense of unfounded claims), if the insurance premium was paid on time and in full according to the invoice, the required claim documents are submitted and the necessary information has been issued, and no breaches of obligations or insurance exclusions are committed.
To what extent does the insurer insurance provide protection?
The insurer is granting insurance protection in the framework of the insurance terms and conditions. This means that it is first checked whether and, if so, what liability of the carrier as the policyholder is given. A compensation is carried out for a given liability in accordance with the statutory provisions on liability in the context of the policy-uniform conditions and sums insured.
What makes a cargo insurance different?
The cargo insurance covers the material damage interest of the prospective customer, the carrier liability insurance the liability of the carrier.
When does the carrier liability insurance not pay?
Are there are other cases in which the insurer does not pay?
Yes, the insurer will also not pay if, in the absence of a premium payment or breach of obligation (for example, the damage is not reported on time or truthfully), he becomes indemnified, and if there is another coverage exclusion specified in the insurance conditions.
Where can I sue the insurer on performance?
The terms of the insurance provide that the plaintiff can choose whether to appeal to the court competent for commercial matters in Vienna or to sue the insurer in the court having jurisdiction for the registered office of the policyholder.
What happens if the customer keeps freights to cover any damage?
If a claim arises that cargo is unlawfully withheld as compensation for damage (for example, if the carrier is exempted from liability under art. 17 CMR), then the principal is requested to pay; if necessary, the freight debtor – after consultation with the carrier – is also on payment of the freight charges, for which the insurer provides a lawyer and bears the costs.
Assuming that a claim for damages caused by slight negligence is justified, the client retains the full damage due to freight. What happens then?
100 kg x approx. € 9.75 = approx. € 975. If the customer actually compensates the full damage with open freight, even though the carrier has only € 975 to adhere, the customer is requested by the LUTZ ASSEKURANZ to pay the difference in the amount of € 7,025 immediately. If he does not comply with this request, the freight will be prosecuted in consultation with the carrier, with the insurer providing a lawyer and paying the costs.
The best piece of advice is that he should conclude a cargo insurance next time. This usually pays - if the insured sum has been correctly chosen - within the scope of the insurance conditions of the full damage.
Is liability for gross negligence also covered by art. 29 CMR?
Yes, unless the policyholder himself or his legal representatives have caused the damage intentionally or through gross negligence (exception: drivers who harm the legal provisions of road-traffic gross negligently and who are not under the influence of drugs or alcohol) or have not selected, instructed and supervised assistants. Otherwise, even intentionally caused damage by the driver are insured.
Up to what amount of damages are to be paid by the insurer?
Depending on liability and case structure up to € 1,200,000 per vehicle and claim. Details can be found in the insurance conditions.
What to do in case of a claim?
a surveyor is activated, etc. The carrier as the policyholder must also submit the damage documents as quickly as possible and provide all necessary information, in order further secure a possible recourse against third parties, etc. The detailed procedure arises from the insurance conditions. All documents must be sent to LUTZ ASSEKURANZ which takes care of claims processing.
What to consider when using subcontractors?
If a carrier instructs sub-contractors, special care must be taken: the carrier should then check, prior to commissioning, that the sub-contractor has adequate carrier liability insurance, including, for example: art. 29 (2) CMR. It is expedient to demand the submission of an insurance policy or confirmation of insurance, as well as a confirmation that the premium has always been paid in good time and in full by the sub-contractor to the insurer. If the sum insured is sufficient (by default, a sum insured of at least € 300,000 can be assumed), then it is sufficient that the carrier concludes a subsidiary liability insurance for himself. This should be done in view of the fact that the insurer of the sub-contractor could, despite all precautionary measures for various reasons could be free of service. If, however, the sub-contractor cannot prove appropriate insurance coverage before the transport order is issued, he should not be commissioned or the freight carrier will conclude for him at his expense a carrier liability insurance ("third-party insurance") and deduct the premium from the freight.
Furthermore, it is very important that an order placed with the carrier is given in detail to the subcontractor. (For example, if the contracting authority notifies the carrier to use two drivers, to use a box case or to only stay in guarded parking lots, all such requirements must be forwarded in writing to the subcontractor).
What is the term/phrase "subsidiary" or "subsidiary basis"?
This means that any other insurance in addition to the (subsidiary) insurance, which covers all or part of the loss event, is used primarily to settle the claims for compensation, regardless of who has concluded them. Only if the latter insurance does not provide are the claims finally treated by the first (subsidiary) insurance.
For example, a carrier who has a carrier liability insurance contracted with another carrier to carry out a transport. This has a carrier liability policy. In the event of damage, the policy of the executing freight carrier is primarily "strained" to satisfy or defend the claims of the originating contractor. Similarly, in this case, if a cargo insurance was concluded.
Can a carrier make agreements with its client that deviate from CMR?
No; this is due to art. 41 CMR expressly prohibited. The CMR is mandatory law and cannot be changed either in whole or in part (with the exception of art. 37 and 38). In accordance With art. 41 (1) CMR, any stipulation which would directly or indirectly derogate from the provisions of this convention is null and void and without legal effect. However, offenses that are not regulated in the CMR (for example, the prohibition on offsetting freight with disputed damage) can be supplemented by party agreements.
What is a “ferry insurance”?
Such insurance can be secured by carriers with LUTZ ASSEKURANZ, if one uses ferries, in order to pay against the risk of damage and secure major contributions. Large damage is explained when the ship and the cargo are in common danger on the sea and expenses are incurred to rescue the ship and the cargo from the common danger. In such a case, the financial burden will be shared among all the parties involved, e.g. for the carrier, that he will have to cover the costs, depending on the value of his carrier. In the context of a ferry insurance, such costs are reimbursed by the insurer.
Can a cargo insurance be concluded via LUTZ ASSEKURANZ?
Yes, this is possible on behalf of the interested party; this insurance can be completed by the carrier for the prospective buyer.
What is meant by a "guarded parking lot"?
A "guarded parking lot", within the meaning of the Terms of Insurance (AVB-VH 2015-INT), is one that is monitored 24 hours a day by a video system or guard, or has an entry and exit control 24 hours a day.
What should be kept in mind when paying the premium from a foreign currency account (meaning "non-EURO account")?
Expenses and cost of the translation/conversion of currency into EURO shall be borne by the originator of the payment. The prescribed, full EURO amount is to be received in the account of the Lutz Assekuranz.
Important note: the answers to the FAQ are kept very general for reasons of space. For further details, it is advisable to read the terms of insurance!

References: art. 17
 art. 29
 art. 29
 art. 41
 art. 37
 art. 41