belastende Schäden
English translation: (Am/Can Eng) chargeable claims (triggering loss of the no-claim bonus or premium increase)
| 15:31 Apr 12, 2019 |
| German to English translations [PRO] Bus/Financial - Insurance | |||||||
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|  Selected response from: Adrian MM. Austria | ||||||
Grading comment
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| 3 +1 | at-fault claims / fault claims |
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| 4 | (Am/Can Eng) chargeable claims (triggering loss of the no-claim bonus or premium increase) |
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Answers
18 mins confidence: 
peer agreement (net): +1
peer agreement (net): +1at-fault claims / fault claims Explanation: Just to get the ball rolling: I would say that "at-fault" (or sometimes, just "fault" ) is indeed appropriate here - but happy to hear suggestions from colleagues! German definition: einen belastenden, also von der Versicherung bezahlten, Schaden (https://www.ratgeber-geld.de/kfz-versicherung-schadenrueckka... -any claim paid out by the insurer English definitions make clear that, in this instance, "fault" doesn't have much to do with "blame", and more to do with the money changing hands: "We often need to explain that when an insurer accepts liability, it doesn't necessarily mean they think their customer is to blame" https://www.financial-ombudsman.org.uk/publications/technica... "Essentially an at fault claim is any claim under a policy that is not accepted as a non-fault claim" and "A non-fault claim is one where a recovery is made against another party" https://www.blackfriarsgroup.com/what-are-fault-and-non-faul... |
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48 mins confidence:
(Am/Can Eng) chargeable claims (triggering loss of the no-claim bonus or premium increase) Explanation: Neither belastend as in nuisance, as I have been described in German, nor at-fault, nor incriminating, nor claims for blight, but ones that eat into and erode the no-claims bonus 'für Schadenfreiheit' and/or put up the premiums. US Am ins. co. quote: 'Practices vary from company to company, but in general, an insurer will increase your premium by specific percentages for each chargeable claim made against your policy above a specific dollar amount. A chargeable claim is one the insurer considers primarily your fault. The percentages and ceilings vary from company to company. These increases generally stay on your premium for three years following the claim.' Incidentally, without wishing to name(s)-drop a distant relative of mine was Vice-President of a well-known Canadian insurance corporation. Example sentence(s):
Reference: http://www.europa-go.de/fragen-rund-um-den-schadenfall#kwdm_... Reference: http://www.thinkinsurance.co.uk/motor-trade/when-i-claim-wil... |
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