With a Private Liability Insurance (AVP), as a resident of Leiden, you are insured against damage you accidentally cause to others. For victims of personal injury, it is crucial to understand how this insurance works.
What is covered under the AVP coverage?
The AVP provides protection to private individuals in Leiden against claims for damage they cause to others, both material and personal damage (injury).
Which situations are insured?
| Scenario | Coverage | Conditions |
|---|---|---|
| Damage caused by your children | Yes, up to max. amount | Included in family policy |
| Damage caused by pets | Yes, often covered | Check exclusions for specific breeds |
| Injuries during sports/play | Limited coverage | Depends on the situation |
| Damage to borrowed items | Usually not | Sometimes extra clause required |
| Intentional damage | Not covered | Always excluded |
Claiming damages via the AVP in Leiden
As a victim of personal injury in Leiden, you can directly file a claim with the AVP insurer of the person who caused the damage.
Direct action
According to Article 7:954 of the Dutch Civil Code (BW), as an injured party you have the right to a direct claim against the insurer, without being dependent on the tortfeasor.
Step-by-step plan for a claim
- Step 1: Request insurance information from the tortfeasor
- Step 2: File the damage with the insurer
- Step 3: The insurer assesses liability
- Step 4: If agreed, a damage payout follows
- Step 5: If rejected: file an objection or seek legal assistance
Maximum insured amounts
The maximum amount that an AVP pays out depends on the policy conditions.
| Type of policy | Max. coverage | Suitable for |
|---|---|---|
| Basic policy | €1,250,000 | Minor damages |
| Standard policy | €2,500,000 | Standard situations |
| Comprehensive policy | €5,000,000 or more | Serious personal injury |
Limitations and exclusions of the AVP
In Leiden, not all damages fall under the AVP. It is important to know the policy conditions well.
Common exclusions
- Damage caused intentionally
- Damage by motorized vehicles (falls under WAM)
- Damage during work as an employee
- Damage to rented or borrowed items
- Damage due to inappropriate behavior
Disputes with AVP insurers in Leiden
It can happen that as a victim you get into a dispute with the counterparty's insurer.
Common problems
Doubt about liability
The insurer denies that their client is responsible. Tip: gather evidence and consider legal assistance via, for example, the Juridisch Loket Leiden.
Disagreement over damage amount
The insurer accepts liability but not the amount of the claim. Tip: substantiate your claim with documentation and expert reports.
Slow handling
The insurer does not respond or responds slowly. Tip: set clear deadlines and point out possible complaints via Kifid or a legal procedure at the District Court of The Hague, Leiden location.
Advice for victims in Leiden
- Always ask for the counterparty's insurance details
- File your damage claim as soon as possible
- Keep all communication with the insurer
- For serious personal injury, seek help via the Juridisch Loket Leiden (Stationsweg 46)
- Do not agree to a settlement without legal advice
Frequently asked questions about AVP in Leiden
What to do if I have caused damage?
Report this immediately to your AVP insurer, even if you are not sure whether you are liable. Provide a detailed report and any evidence such as photos. Avoid admitting liability or paying damages yourself, as this may harm your case.
How do I claim personal injury from the tortfeasor's AVP?
Request the tortfeasor's insurance information and report the damage in writing to their insurer. Attach a description of the incident and evidence such as medical documents. If rejected, you can seek help from the Juridisch Loket Leiden or start a procedure via the District Court of The Hague, Leiden location.