Damage to third parties
Bodily injury, property damage and financial loss arising from use of the vehicle.
Motor insurance
Protected on the road – for others and for your own vehicle.
Motor liability is compulsory. Comprehensive cover, assistance and legal expenses determine which own costs remain after accident, theft or natural event.
Insurance sections
From compulsory minimum cover to comprehensive protection.
Vehicle value, use, financing and personal risk capacity determine the suitable scope.
Specified events
Theft, fire, natural perils, glass and animal collision depending on terms.
Own accident damage
Additionally covers self-caused accident damage and often vandalism.
Help on the road
Breakdown, towing, replacement vehicle, return travel and accommodation within agreed limits.
People in the vehicle
Additional accident benefits, taking liability and social benefits into account.
Legal costs
Damages, criminal defence and driving-licence proceedings relating to road use.
Policy comparison
Compare more than premium and excess.
Current and replacement value
Review settlement basis and time scales.
Gross negligence
Compare waivers of reduction and remaining exceptions.
Repairer network
Balance premium advantage against free repairer choice.
Accessories
Record accessories, charging cables, wallbox and modifications adequately.
Claims practice
Accident report, photographs and duties to cooperate matter.
Even apparently clear losses may depend on sequence, driver, alcohol, police involvement and repair authorisation.
Secure evidence
Take photographs and record the accident, parties and witnesses.
Complete and truthful
State the sequence, driver and official measures correctly.
Await authorisation
Clarify inspection, repairer network, total loss and salvage before repair.
Our role: We support liability and comprehensive claims and ensure that event description, evidence and repair process are consistent.
Austrian Supreme Court decisions
View all decisionsAccident definition, theft evidence and cooperation duties in comprehensive cover.
These summaries highlight typical disputes and do not replace review of the individual policy.
Is every paint scratch a comprehensive-insurance accident?
The actual sequence, a sudden external impact and the contractual accident definition are decisive. Calling an event an “accident” in everyday language is not enough.
Official RIS decision →Vehicle theft and eased burden of proof
A typical sequence, such as properly parking a vehicle and later finding it missing, may initially support proof of theft, but contradictions and counter-indications remain relevant.
Official RIS decision →Leaving an accident scene and duties to cooperate
Leaving the scene may breach contractual duties to clarify the event. This can have insurance consequences even if the criminal-law assessment differs.
Official RIS decision →Frequently asked questions
All questionsKey motor-insurance questions.
What does motor liability pay?
It pays justified third-party claims and defends unjustified claims.
When is full comprehensive cover useful?
Especially for a high-value or financed vehicle, or where a major own loss should not be self-funded.
Is gross negligence always covered?
No. Scope and exceptions vary; alcohol, drugs and certain duties commonly remain problematic.
May repairs start immediately?
For comprehensive claims, insurer authorisation or the agreed inspection should be awaited.
Personal advice
Choose motor cover to match vehicle and use.
We compare liability, comprehensive cover, assistance, excesses and claims practice.
Herbert Helm MBA
Insurance broker · adviser in insurance matters · licensed financial adviser
+43 7474 23456
helm@sichermithelm.at
Insurance broker · adviser in insurance matters · licensed financial adviser
+43 7474 23456
helm@sichermithelm.at