Go Back   English Forum Switzerland > Help & tips > Insurance
Closed Thread
 
Thread Tools Display Modes
  #21  
Old 25.11.2016, 09:58
Forum Legend
 
Join Date: Jun 2008
Location: Zurich
Posts: 5,146
Groaned at 176 Times in 140 Posts
Thanked 10,836 Times in 3,597 Posts
k_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond reputek_and_e has a reputation beyond repute
Re: Car accident pain and suffering compensation

Quote:
View Post
FMF said franchise. A child has 0 franchise.
But a child has still a 10% co-pay, capped at CHF 350 per year.
You can get back this CHF 350 from the driver or the drivers liability insurance.
0 CHF is an option. We don't know which franchise the OP's child has.

I agree with the other points. that's why i referred originally to the driver's 3rd party liability insurance.
This user would like to thank k_and_e for this useful post:
  #22  
Old 25.11.2016, 10:00
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 20,088
Groaned at 1,046 Times in 818 Posts
Thanked 22,477 Times in 10,751 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Car accident pain and suffering compensation

Quote:
View Post
0 CHF is an option. We don't know which franchise the OP's child has.
Children always have a CHF 0 deductable, there is no other option for them.

Tom
The following 2 users would like to thank st2lemans for this useful post:
  #23  
Old 25.11.2016, 10:03
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 6,247
Groaned at 51 Times in 48 Posts
Thanked 9,117 Times in 4,054 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Car accident pain and suffering compensation

Quote:
View Post
Children always have a CHF 0 deductable, there is no other option for them.

Tom
According the posted information from Helasana there is such an option:
https://www.helsana.ch/en/individual...ent-consist-of
(You can change language from Englisch, to German, French and Italian )
  #24  
Old 25.11.2016, 10:03
Sandgrounder's Avatar
Forum Legend
 
Join Date: Jul 2007
Location: ZH
Posts: 10,183
Groaned at 84 Times in 77 Posts
Thanked 16,516 Times in 6,359 Posts
Sandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond repute
Re: Car accident pain and suffering compensation

Quote:
View Post
Children always have a CHF 0 deductable, there is no other option for them.

Tom
Ours isn't. Bloody hell, I'll have to check that out.

My boy got a smack on the head whilst skiing last year and had to get checked out at the local hospital. We had to cough up CHF 250.- for the pleasure.
  #25  
Old 25.11.2016, 10:06
Forum Veteran
 
Join Date: May 2013
Location: Nyon
Posts: 2,003
Groaned at 63 Times in 35 Posts
Thanked 2,392 Times in 926 Posts
John_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond repute
Re: Car accident pain and suffering compensation

Quote:
View Post
Ours isn't. Bloody hell, I'll have to check that out.

My boy got a smack on the head whilst skiing last year and had to get checked out at the local hospital. We had to cough up CHF 250.- for the pleasure.
Our kids have no franchise .. With Helsana.
The following 2 users would like to thank John_H for this useful post:
  #26  
Old 25.11.2016, 10:14
Newbie 1st class
 
Join Date: Apr 2015
Location: Aargau
Posts: 24
Groaned at 20 Times in 9 Posts
Thanked 2 Times in 2 Posts
Lenie is considered unworthyLenie is considered unworthyLenie is considered unworthy
Re: Car accident pain and suffering compensation

So we can simply hit someone we hate here because its easy to pay and charge it all to the insurance company...its not about money but my daughter life will never be the same again...
The following 2 users groan at Lenie for this post:
  #27  
Old 25.11.2016, 10:17
NotAllThere's Avatar
Forum Legend
 
Join Date: Oct 2008
Location: Baselland
Posts: 9,430
Groaned at 145 Times in 127 Posts
Thanked 13,044 Times in 5,297 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: Car accident pain and suffering compensation

Quote:
View Post
Children always have a CHF 0 deductable, there is no other option for them.

Tom
I think the law changed a few years ago. With Swica you can have 0, 200, 400 or 600 CHF franchise for children.

Quote:
View Post
So we can simply hit someone we hate here because its easy to pay and charge it all to the insurance company...
No. Because deliberately injuring someone is a criminal offence. You said it was an accident
Quote:
its not about money but my daughter life will never be the same again...
Why is that? Has she been permanently disabled in some way? If she has psychological issues, then take her to a psychologist or psychiatrist. Her getting money won't make her feel any better - though you might feel happier about it. The driver will certainly have some big fines to pay - that won't be covered by her insurance.
The following 9 users would like to thank NotAllThere for this useful post:
  #28  
Old 25.11.2016, 10:20
bigblue2's Avatar
Forum Legend
 
Join Date: Mar 2009
Location: Glarus
Posts: 6,509
Groaned at 315 Times in 254 Posts
Thanked 10,420 Times in 4,187 Posts
bigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond repute
Re: Car accident pain and suffering compensation

Quote:
View Post
So we can simply hit someone we hate here because its easy to pay and charge it all to the insurance company...its not about money but my daughter life will never be the same again...

I don't think its classed as an accident then
The following 3 users would like to thank bigblue2 for this useful post:
  #29  
Old 25.11.2016, 10:21
Sandgrounder's Avatar
Forum Legend
 
Join Date: Jul 2007
Location: ZH
Posts: 10,183
Groaned at 84 Times in 77 Posts
Thanked 16,516 Times in 6,359 Posts
Sandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond reputeSandgrounder has a reputation beyond repute
Re: Car accident pain and suffering compensation

Quote:
View Post
So we can simply hit someone we hate here because its easy to pay and charge it all to the insurance company...its not about money but my daughter life will never be the same again...
Is that the medical view? If she is seriously going to be affected, i.e. her leg won't function properly for the rest of her life, then you need to go through the proper channels. Do you have legal coverage?

Running into someone deliberately is never going to work out the same as an accident would.

What became of the person that ran into your daughter? Presumably the police were involved and, after an investigation, they concluded it was just an accident. Had there been any mal-intent or negligence it would have shown up in the investigation.

Did your daughter run across the pedestrian crossing without looking and the driver simply had no time to stop or was the driver found to be speeding or on his phone or drunk?
__________________
“A hero is someone who understands the responsibility that comes with his freedom.” – Bob Dylan
The following 3 users would like to thank Sandgrounder for this useful post:
  #30  
Old 25.11.2016, 10:22
bigblue2's Avatar
Forum Legend
 
Join Date: Mar 2009
Location: Glarus
Posts: 6,509
Groaned at 315 Times in 254 Posts
Thanked 10,420 Times in 4,187 Posts
bigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond repute
Re: Car accident pain and suffering compensation

Quote:
View Post
and almost lost her life
how??

Quote:
View Post
..i'm a single mom
whys that relevant ?
The following 5 users would like to thank bigblue2 for this useful post:
  #31  
Old 25.11.2016, 10:22
Forum Legend
 
Join Date: Oct 2014
Location: Ostschweiz
Posts: 3,997
Groaned at 128 Times in 104 Posts
Thanked 5,236 Times in 2,643 Posts
Urs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond repute
Re: Car accident pain and suffering compensation

Accident insurance isn't relevant here to begin with, the driver's 3rd party liability insurance is what counts.

OP why did you employ a lawyer? All it's likely to accomplish is an increase in your costs.
The following 2 users would like to thank Urs Max for this useful post:
  #32  
Old 25.11.2016, 10:22
Forum Legend
 
Join Date: Dec 2006
Location: Zurich
Posts: 3,870
Groaned at 116 Times in 74 Posts
Thanked 5,705 Times in 2,025 Posts
Kittster has a reputation beyond reputeKittster has a reputation beyond reputeKittster has a reputation beyond reputeKittster has a reputation beyond reputeKittster has a reputation beyond reputeKittster has a reputation beyond repute
Re: Car accident pain and suffering compensation

Quote:
View Post
So we can simply hit someone we hate here because its easy to pay and charge it all to the insurance company...its not about money but my daughter life will never be the same again...
You daughter's life will probably be the same again if you let it and dial down the drama a few notches. Many kids have accidents, quite a lot of them leading to lengthy treatment, missing school, etc. And yet, life goes on.
The following 15 users would like to thank Kittster for this useful post:
  #33  
Old 25.11.2016, 10:24
Ace1's Avatar
A singular modality
 
Join Date: Sep 2011
Location: Engelberg & near Basel
Posts: 6,091
Groaned at 172 Times in 123 Posts
Thanked 9,337 Times in 4,164 Posts
Ace1 has a reputation beyond reputeAce1 has a reputation beyond reputeAce1 has a reputation beyond reputeAce1 has a reputation beyond reputeAce1 has a reputation beyond reputeAce1 has a reputation beyond repute
Re: Car accident pain and suffering compensation

Quote:
View Post
So we can simply hit someone we hate here because its easy to pay and charge it all to the insurance company...its not about money but my daughter life will never be the same again...
Any ongoing cafe will be paid for by your accident insurance. They will also assess the suffering and long term effects of the injury and pay you compensation for that, as well as any other expenses such as loss of (your) earnings. Such cost will normally be recouped by them from the drivers insurance.

If the driver was at fault then it's up to the police to take any action required, and they nearly always do, with the burden of proof being skewed against the driver, who will usually be assumed to be at fault unless there are external factors involved.
__________________
Introduce yourself!

Last edited by Ace1; 25.11.2016 at 10:57. Reason: typo
The following 3 users would like to thank Ace1 for this useful post:
  #34  
Old 25.11.2016, 10:27
bigblue2's Avatar
Forum Legend
 
Join Date: Mar 2009
Location: Glarus
Posts: 6,509
Groaned at 315 Times in 254 Posts
Thanked 10,420 Times in 4,187 Posts
bigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond repute
Re: Car accident pain and suffering compensation

if it happened like you say, she was hit on a crossing, then the driver is royally f***ed, he is in for serious amounts of pain, huge fines, banned from driving could also spend some time in prison.

just because the law says you can cross doesn't mean you should, it constantly amazes me the amount of people who blindly cross the road here, not bothering to look at all, because they can. Its a valuable life lesson learnt I think.
The following 6 users would like to thank bigblue2 for this useful post:
  #35  
Old 25.11.2016, 10:33
Samaire13's Avatar
Forum Legend
 
Join Date: Apr 2014
Location: CH
Posts: 2,777
Groaned at 68 Times in 53 Posts
Thanked 4,304 Times in 1,653 Posts
Samaire13 has a reputation beyond reputeSamaire13 has a reputation beyond reputeSamaire13 has a reputation beyond reputeSamaire13 has a reputation beyond reputeSamaire13 has a reputation beyond reputeSamaire13 has a reputation beyond repute
Re: Car accident pain and suffering compensation

Quote:
View Post
So we can simply hit someone we hate here because its easy to pay and charge it all to the insurance company...
That would clearly not be an accident.

Quote:
its not about money but my daughter life will never be the same again...
How so? Is that a qualified medical view or an opinion based on your (over)dramatization of this incident?
The following 5 users would like to thank Samaire13 for this useful post:
This user groans at Samaire13 for this post:
  #36  
Old 25.11.2016, 10:43
donpiedro's Avatar
Forum Veteran
 
Join Date: Sep 2014
Location: Nyon
Posts: 616
Groaned at 28 Times in 22 Posts
Thanked 849 Times in 329 Posts
donpiedro has earned the respect of manydonpiedro has earned the respect of manydonpiedro has earned the respect of many
Re: Car accident pain and suffering compensation

None of us was there when it happened so hard to judge I would say.

A friend of mine broke her leg at a similar age in an ice skating ring and her injury was so severe she still suffers from that now as an adult. And yes she was not able to go to school for quite some time and it had an impact on her life.

We all make it sound like the mother (=OP) only wants to get financial benefit out of this accident but I find it very feasible that her daughter might be traumatized by this event and it is fair to say that her mother knows this best as she takes care of her daughter every single day. If she says her daughter is suffering then we have to believe that and not just class it as an overreaction.

I guess the OP by now has the answers to her questions in any case.
The following 5 users would like to thank donpiedro for this useful post:
  #37  
Old 25.11.2016, 10:44
Forum Veteran
 
Join Date: May 2013
Location: Nyon
Posts: 2,003
Groaned at 63 Times in 35 Posts
Thanked 2,392 Times in 926 Posts
John_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond reputeJohn_H has a reputation beyond repute
Re: Car accident pain and suffering compensation

Quote:
View Post
So we can simply hit someone we hate here because its easy to pay and charge it all to the insurance company...its not about money but my daughter life will never be the same again...
What's it about then, exactly?
Take money out of the equation, as you say.. What else do you actually want to happen?

Your daughter should be receiving every bit of medical care required for as long as it takes, even for-ever, you should be compensated for any loss of earnings, your insurers will pay any extra costs you've had.
The driver will have been prosecuted if deemed necessary.

What do you think is missing from the story?
The following 3 users would like to thank John_H for this useful post:
  #38  
Old 25.11.2016, 10:48
bigblue2's Avatar
Forum Legend
 
Join Date: Mar 2009
Location: Glarus
Posts: 6,509
Groaned at 315 Times in 254 Posts
Thanked 10,420 Times in 4,187 Posts
bigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond repute
Re: Car accident pain and suffering compensation

Its not about the money
its not you, it me
I'm not a racist but ....
the cheques in the post
I'll still love you in the morning
.....
The following 4 users would like to thank bigblue2 for this useful post:
  #39  
Old 25.11.2016, 10:48
Britething's Avatar
Senior Member
 
Join Date: Mar 2016
Location: Zurich
Posts: 334
Groaned at 149 Times in 59 Posts
Thanked 455 Times in 221 Posts
Britething has an excellent reputationBritething has an excellent reputationBritething has an excellent reputationBritething has an excellent reputation
Re: Car accident pain and suffering compensation

Found this also (seems to be only in French and German, but call them anyway - they probably speak some English:

http://www.roadcross.ch/site/notre-fondation/

Best of luck, don't listen to the haters.
This user would like to thank Britething for this useful post:
The following 2 users groan at Britething for this post:
  #40  
Old 25.11.2016, 10:52
bigblue2's Avatar
Forum Legend
 
Join Date: Mar 2009
Location: Glarus
Posts: 6,509
Groaned at 315 Times in 254 Posts
Thanked 10,420 Times in 4,187 Posts
bigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond reputebigblue2 has a reputation beyond repute
Re: Car accident pain and suffering compensation

Quote:
View Post
Best of luck, don't listen to the haters.
haters? just telling it like it is, there is no suing culture here (thanks god) having an accident here isn't a golden goose, the driver WILL be punished, the child WILL be looked after, but there ain't no pot of gold at the end of the rainbow.
The following 9 users would like to thank bigblue2 for this useful post:
Closed Thread




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Car Accident:Garage repairing the car without my consent phacel Insurance 8 13.05.2015 20:11
Road Traffic Accident Fatality & Injury Compensation Advice Requested agafitei tiberiu Insurance 30 07.05.2013 17:13
Accident or just pain FabrizioM Insurance 5 06.10.2010 12:04
Car accident, insurance and garage... Enafi Transportation/driving 4 23.10.2009 10:32
Compensation after Cycling Accident ecosse_011172 Transportation/driving 9 28.07.2008 12:36


All times are GMT +2. The time now is 00:35.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2017, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0