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Old 18.06.2015, 14:07
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Car accident - what to get out of the liability insurance of the driver.

As a result of a crash with a car while bicycling, I have the following issues (apart from recovering from the operation and constant pain):

- I have to repair the bycicle (the liability insurance already confirmed that they pay for this)
- I can not bicycle to work for months (or for a year, if I wanna play it save). Will they pay an annual ticket for public transport?
- I can not do my sport-exercises and need a gym with special machines. Will they pay a membership?

Regarding long term effects, I will not feel a certain area on my skin as before since the doctor had to cut a nerv that is directly under the skin in order to perform the operation. Can I go for "Genugtuung" to a civil court? According to that table (http://www.regelrecht.ch/category/re...lt/genugtuung/) this kind of long-term thing that I have "is not big enough". I do not have any defense insurance.
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Old 18.06.2015, 14:18
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Re: Car accident - what to get out of the liability insurance of the driver.

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As a result of a crash with a car while bicycling, I have the following issues (apart from recovering from the operation and constant pain):

- I have to repair the bycicle (the liability insurance already confirmed that they pay for this)
- I can not bicycle to work for months (or for a year, if I wanna play it save). Will they pay an annual ticket for public transport?
- I can not do my sport-exercises and need a gym with special machines. Will they pay a membership?

Regarding long term effects, I will not feel a certain area on my skin as before since the doctor had to cut a nerv that is directly under the skin in order to perform the operation. Can I go for "Genugtuung" to a civil court? According to that table (http://www.regelrecht.ch/category/re...lt/genugtuung/) this kind of long-term thing that I have "is not big enough". I do not have any defense insurance.
Contact your accident insurer, they will pay your salary & any other costs incurred .
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Old 18.06.2015, 14:43
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Re: Car accident - what to get out of the liability insurance of the driver.

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Regarding long term effects, I will not feel a certain area on my skin as before since the doctor had to cut a nerv that is directly under the skin in order to perform the operation. Can I go for "Genugtuung" to a civil court? According to that table (http://www.regelrecht.ch/category/re...lt/genugtuung/) this kind of long-term thing that I have "is not big enough". I do not have any defense insurance.
Just so you are aware payouts for "emotional damage" are limited in Switzerland - a woman who is raped can expect about 3,000chf. Someone who had the wrong leg amputated received, IIRC, 8,000chf!!
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Old 18.06.2015, 15:37
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Re: Car accident - what to get out of the liability insurance of the driver.

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Contact your accident insurer, they will pay your salary & any other costs incurred .
Yes, this is important to understand. Any dealings for ongoing care or losses due to the accident are with the accident insurer (provided by your employer, SUVA being the most common). They will also provide any one-off payments to cover loss of career earnings, "damages" etc. etc.

If there's another party involved, then it's their job to deal with them, not yours, so questions of who's paying for what are of no concern to you.
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Old 18.06.2015, 15:41
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Re: Car accident - what to get out of the liability insurance of the driver.

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Just so you are aware payouts for "emotional damage" are limited in Switzerland - a woman who is raped can expect about 3,000chf. Someone who had the wrong leg amputated received, IIRC, 8,000chf!!
That sounds... odd. I accidentally downplayed my long-term injuries when it came to the medical exam that determined a final payout (I didn't realise that's what it was about) and still got a bit more than that, and I'm still two-legged and able to do most things normally, so I'd have thought loss of a limb would have been much more than that.
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Old 18.06.2015, 15:46
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Re: Car accident - what to get out of the liability insurance of the driver.

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That sounds... odd. I accidentally downplayed my long-term injuries when it came to the medical exam that determined a final payout (I didn't realise that's what it was about) and still got a bit more than that, and I'm still two-legged and able to do most things normally, so I'd have thought loss of a limb would have been much more than that.
Those are the "damages" part and not the amounts that relate to loss of earning, medical care etc etc etc

The other thing in such cases if you have to actually incur the cost to claim it - for example: I can no longer cycle and therefore have to join a gym - I want 1,800chf for 2 years (3,600chf in total) while I recover. You need to actually go and buy that 2 year membership and then claim it. You can't simply claim 3,600chf.

The same goes for alteration to a property for wheelchair access etc. Which is why Paraplegia has so many members - they pay out a bit chunk of cash should the worst happen ensuring you have the cash to make the changes to claim for.
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Old 18.06.2015, 16:43
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Re: Car accident - what to get out of the liability insurance of the driver.

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Those are the "damages" part and not the amounts that relate to loss of earning, medical care etc etc etc
Indeed. As was mine. I had no loss of earnings, no actual personal expenditure, nothing. All the rest of the medical and related costs were (and still are) paid directly by SUVA.
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Old 18.06.2015, 22:25
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Re: Car accident - what to get out of the liability insurance of the driver.

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The other thing in such cases if you have to actually incur the cost to claim it - for example: I can no longer cycle and therefore have to join a gym - I want 1,800chf for 2 years (3,600chf in total) while I recover. You need to actually go and buy that 2 year membership and then claim it. You can't simply claim 3,600chf
Ok but how expensive can the gym be? On the one end of the spectrum there is the ETH gym for about 500,- CHF per year, on the other end of the spectrum there is the centurion club (http://centurionclub.ch/mitgliedschaft/) which costs 185 CHF per week (=around 10.000 CHF per year, I am not kidding you...).
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Old 19.06.2015, 12:20
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Re: Car accident - what to get out of the liability insurance of the driver.

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Ok but how expensive can the gym be? On the one end of the spectrum there is the ETH gym for about 500,- CHF per year, on the other end of the spectrum there is the centurion club (http://centurionclub.ch/mitgliedschaft/) which costs 185 CHF per week (=around 10.000 CHF per year, I am not kidding you...).
I doubt they will pay for a 10k gym, they will think your taking the piss & take the piss back
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