The Liability Insurance for Individuals (AVP) protects you as a resident of Westland against the financial consequences of damage you accidentally cause to others. For victims of personal injury, it is essential to understand how this insurance works.
What is covered under the AVP?
The AVP provides coverage for the liability of individuals for causing damage to third parties, both material damage and personal injury.
Which situations are insured?
| Scenario | Coverage | Conditions |
|---|---|---|
| Damage caused by your children | Yes, up to the insured amount | If included in family policy |
| Damage caused by pets | Yes, in many policies | Watch for exceptions for specific breeds |
| Injuries during sports or play | Limited coverage | Depending on the situation |
| Damage to borrowed goods | Often not covered | Sometimes via additional clause |
| Intentional damage | Not covered | Always excluded |
Claiming damage via the perpetrator's AVP
As a victim of personal injury in Westland, you can directly file a claim with the AVP insurer of the person who caused the damage.
Direct action
Pursuant to Article 7:954 of the Dutch Civil Code, as an injured party you have the right to a direct claim against the insurer, without being dependent on the cooperation of the perpetrator.
Step-by-step plan for a direct claim
- Step 1: Request the insurance details of the perpetrator
- Step 2: File the damage claim with the insurer
- Step 3: The insurer assesses liability
- Step 4: If accepted, the damage is settled
- Step 5: If rejected, you can object or seek legal assistance
Maximum insured amounts
The maximum amount that an AVP pays out depends on the policy conditions and the type of insurance.
| Type of policy | Maximum amount | Suitable for |
|---|---|---|
| Basic coverage | €1,250,000 | Minor damages |
| Standard coverage | €2,500,000 | General situations |
| Extended coverage | €5,000,000 or more | Serious personal injury |
Limitations and exclusions of the AVP
In Westland, it is important to be aware of situations that are not covered by the AVP.
Common exclusions
- Damage intentionally inflicted
- Damage caused by motorized vehicles (covered under WAM insurance)
- Damage caused as an employee
- Damage to rented or borrowed property
- Damage caused by inappropriate behavior
Problems with insurers in Westland
It may happen that as a victim you come into conflict with the counterparty's AVP insurer.
Common conflicts
Dispute over liability
The insurer denies that their client is responsible. Tip: gather evidence, such as witness statements, and consider legal assistance via the Juridisch Loket Westland.
Dispute over damage amount
The insurer acknowledges liability, but not the amount of the damage. Tip: support your claim with documentation and expert reports.
Slow handling
The insurer does not respond or responds slowly. Tip: set clear deadlines and consider filing a complaint with the Kifid or taking legal steps via the District Court of The Hague.
Advice for victims in Westland
- Gather the perpetrator's insurance information immediately
- File your damage claim as soon as possible
- Keep all communication with the insurer properly
- For serious personal injury, seek help from the Juridisch Loket Westland
- Do not agree to a settlement without expert advice
Frequently asked questions
What do I do if I have caused damage in Westland?
Report this immediately to your AVP insurer, even if you are not sure whether you are liable. Provide a detailed description of the incident and attach evidence such as photos. Let the insurer handle the matter and avoid admitting fault yourself or offering compensation.
How do I claim personal injury from the perpetrator's AVP insurer?
Request the perpetrator's insurance details and file a written claim with their insurer. Describe the incident, the damage, and attach evidence such as medical reports. The insurer assesses liability and if agreed, you receive compensation. If rejected, you can seek help via the Juridisch Loket Westland or start a procedure at the District Court of The Hague.