Inadmissibility of Asserting Deductible Against Third-Party Claims

In plain language

If you cause damage to a third party, your insurer cannot reduce the payout to the injured party by your deductible amount. The insurer must pay the third party in full and then recover the deductible from you.

Requirement as structured

The agreed deductible cannot be asserted as a defense against a third party's liability claim.

Original regulatory text

Der Selbstbehalt kann dem Anspruch des Dritten jedoch nicht entgegengehalten werden.

Applies when

country

Germany

regulatory category

General