{"id":2140,"date":"2021-06-08T08:53:44","date_gmt":"2021-06-08T08:53:44","guid":{"rendered":"https:\/\/finkbeiner-kanzlei.de\/?page_id=2140"},"modified":"2021-06-08T08:53:44","modified_gmt":"2021-06-08T08:53:44","slug":"examination-of-insurance-contracts","status":"publish","type":"page","link":"https:\/\/finkbeiner-kanzlei.de\/en\/examination-of-insurance-contracts\/","title":{"rendered":"Examination of insurance contracts"},"content":{"rendered":"<div class=\"row\">\n<div class=\"col-md-6\">\n<p><span lang=\"en-US\">The topic of &#8220;<\/span><span lang=\"en-US\"><b>insurance<\/b><\/span><span lang=\"en-US\">&#8221; evokes perplexity, bad moods and the feeling of being overwhelmed for many <\/span><span lang=\"en-US\"><b>consumers and entrepreneurs<\/b><\/span><span lang=\"en-US\">. <\/span><span lang=\"en-US\"><b>Which insurance do I really need? What content does an insurance contract need to have so that you are really covered in the event of a claim?<\/b><\/span><span lang=\"en-US\"> What are the <\/span><span lang=\"en-US\"><b>pitfalls<\/b><\/span><span lang=\"en-US\"> of insurance contracts? Do I really need to read the <\/span><span lang=\"en-US\"><b>fine print<\/b><\/span><span lang=\"en-US\">? What do I have to consider when concluding an insurance contract? How can I <\/span><span lang=\"en-US\"><b>avoid overinsurance or underinsurance<\/b><\/span><span lang=\"en-US\">? Is <\/span><span lang=\"en-US\"><b>third-party property<\/b><\/span><span lang=\"en-US\"> also insured? This list of questions could be continued almost indefinitely.<\/span><\/p>\n<p><span lang=\"en-US\">You have probably asked yourself at least one of these questions before signing an insurance contract. As experienced advisors, we know the answers to your questions. <\/span><span lang=\"en-US\"><b>We check insurance offers prepared for you<\/b><\/span><span lang=\"en-US\"> and determine whether the offer presented to you is in line with your ideas of <\/span><span lang=\"en-US\"><b>optimal insurance protection<\/b><\/span><span lang=\"en-US\">.<\/span><\/p>\n<p><span lang=\"en-US\">Since not every life situation or every insurance wish fits to already existing insurance conditions, <\/span><span lang=\"en-US\"><b>we negotiate for you with your insurance broker or insurer individual contract conditions tailored to your needs<\/b><\/span><span lang=\"en-US\">.<\/span><\/p>\n<p><span lang=\"en-US\">We also advise you on your <\/span><span lang=\"en-US\"><b>actual insurance needs<\/b><\/span><span lang=\"en-US\"> in the case of <\/span><span lang=\"en-US\"><b>current insurance contracts<\/b><\/span><span lang=\"en-US\">. This is because both <\/span><span lang=\"en-US\"><b>underinsurance and overinsurance<\/b><\/span><span lang=\"en-US\"> can mean the <\/span><span lang=\"en-US\"><b>total or partial loss of your entitlement<\/b><\/span> <span lang=\"en-US\"><b>to insurance benefits<\/b><\/span><span lang=\"en-US\"> in the event of a claim. The same applies to a so-called &#8220;<\/span><span lang=\"en-US\"><b>increase of risk<\/b><\/span><span lang=\"en-US\">&#8221; (\u201c<\/span><span lang=\"en-US\"><i>Gefahrerh\u00f6hung<\/i><\/span><span lang=\"en-US\">\u201d) which has <\/span><span lang=\"en-US\"><b>not been notified to the insurer<\/b><\/span><span lang=\"en-US\">. To avoid this, it is necessary to <\/span><span lang=\"en-US\"><b>determine your actual insurance needs<\/b><\/span><span lang=\"en-US\">. If necessary, we can draw on a <\/span><span lang=\"en-US\"><b>network of experienced experts<\/b><\/span><span lang=\"en-US\"> to determine the value of a property, for example, which is decisive for an <\/span><span lang=\"en-US\"><b>appropriate insurance value<\/b><\/span><span lang=\"en-US\"> (and thus to avoid under- or overinsurance).<\/span><\/p>\n<\/div>\n<div class=\"col-md-6\">\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-1964\" src=\"https:\/\/finkbeiner-kanzlei.de\/wp-content\/uploads\/2021\/05\/ra-didzoneit-3.jpg\" alt=\"\" width=\"550\" height=\"700\" srcset=\"https:\/\/finkbeiner-kanzlei.de\/wp-content\/uploads\/2021\/05\/ra-didzoneit-3.jpg 550w, https:\/\/finkbeiner-kanzlei.de\/wp-content\/uploads\/2021\/05\/ra-didzoneit-3-236x300.jpg 236w\" sizes=\"(max-width: 550px) 100vw, 550px\" \/><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"tags":[1331,1302,1301,1297,1306,1307,1308,1294,1303,1334,1335,1332,1333,1304],"class_list":["post-2140","page","type-page","status-publish","hentry","tag-advice-and-representation-of-policyholders","tag-advice-on-insurance-contracts","tag-advice-to-policyholders","tag-claims-from-building-insurance","tag-claims-management","tag-claims-settlement","tag-claims-settlement-for-policyholders","tag-defense-against-reduction-of-benefits","tag-indemnification-from-insurance-policies","tag-negotiating-contract","tag-negotiating-contract-conditions","tag-negotiating-with-insurance","tag-negotiating-with-insurance-brokers","tag-review-of-insurance-contracts"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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