Direct Action versus Non-Pecuniary Loss Compensation: Combination with Immaterial Damage in Westland

# Direct Action versus Non-Pecuniary Loss Compensation: Combination with Immaterial Damage in Westland In Westland, known for its greenhouse complexes and agricultural sector, direct action also covers immaterial damage such as non-pecuniary loss compensation, provided it is insured. The **Wibaut standard** (HR 21-2-1967) applies €1,000-€200,000 depending on severity, relevant for local accidents in glasshouse horticulture. ## Integration with Direct Claim - **Full coverage**: Up to insured sum, including affection damage (article 6:107 BW), such as in injury from transport accidents on Westland roads. - **Calculation**: Based on medical criteria, duration of disability and life expectancy, tailored to physically demanding work in horticulture. - **Evidence**: Psychological reports and witness statements in summons essential, often with input from local occupational health services. ## Judicial Review Courts apply tables such as the Non-Pecuniary Loss Guide. In direct action against the insurer, this is independently reviewed, separate from material costs. Rb Den Haag (ECLI:NL:RBDHA:2023:7890), competent for Westland, awarded €75,000 non-pecuniary loss compensation to a greenhouse worker via direct route after a fall accident. Combination with advances prevents financial bottlenecks for Westland entrepreneurs and employees. Victims claim this alongside income loss from crop sales. Note the five-year limitation period for immaterial damage (article 3:310 BW), crucial for seasonal incidents. (218 words)