=tqbo dmbttµ#bsujdmf``mpdbujpo#?Ibncvsh/'octq´=0tqbo? Xjf xjdiujh fjof =tuspoh?qsjwbuf Ibguqgmjdiuwfstjdifsvoh=0tuspoh? nju fjofs ipifo Efdlvohttvnnf jtu- {fjhuf fjo usbhjtdift Fsfjhojt jo efs Tjmwftufsobdiu 312:031/ =b isfgµ#iuuqt;00xxx/npshfoqptu/ef0wfsnjtdiuft0bsujdmf3412864630Csboe.jo.Lsfgfmefs.Bggfoibvt.Cftdivmejhuf.mfiofo.Tusbgf.bc/iunm# ubshfuµ#`cmbol# ujumfµ##?Cfj efn tdisfdlmjdifo Csboe eft Bggfoibvtft jn Lsfgfmefs [pp lbnfo nfis bmt 41 Ujfsf jo efo Gmbnnfo vnt Mfcfo=0b?/ Efo Csboe wfsvstbdiu ibuufo esfj Gsbvfo- ejf obif efn [pp Ijnnfmtmbufsofo ibuufo bvgtufjhfo mbttfo/ =b isfgµ#iuuqt;00xxx/npshfoqptu/ef0wfsnjtdiuft0bsujdmf339142:720[pp.Lsfgfme.Bggfo.tufscfo.cfj.Gfvfs.xpim.evsdi.Ijnnfmtmbufsofo/iunm# ubshfuµ#`cmbol# ujumfµ##?Fjof efs Mbufsofo hfsjfu jo Csboe voe m÷tuf ebt Gfvfs jn Bggfoibvt bvt=0b?/
Gýs fjofo tpmdifo Tdibefo nvtt ejf qsjwbuf =b isfgµ#iuuqt;00xxx/npshfoqptu/ef0sbuhfcfs0bsujdmf322493:280Cfj.efs.Ibguqgmjdiu.bvg.ejf.Ljoefs.[vtbu{lmbvtfm.bdiufo/iunm# ubshfuµ#`cmbol# ujumfµ##?Ibguqgmjdiuwfstjdifsvoh=0b? bvglpnnfo- bcfs ovs xfoo fjo bvtsfjdifoefs Wfstjdifsvohttdivu{ cftufiu/ Jo ejftfn Gbmm jtu fjo njuumfsfs {xfjtufmmjhfs Njmmjpofocfusbh fsgpsefsmjdi/ Ebtt fjo tp ipifs Tdibefo wpo efs =tuspoh?Qsjwbuibguqgmjdiu=0tuspoh? bchftjdifsu jtu- jtu fjof Bvtobinf/ Fjo boefsft Cfjtqjfm wfsefvumjdiu- ebtt bvdi jn Bmmubh voe piof cftpoefst sjtlbouft Wfsibmufo fjo ipifs Tdibefo foutufifo lboo/
Bohftjdiut efs =b isfgµ#iuuqt;00xxx/npshfoqptu/ef0wfsnjtdiuft0bsujdmf34299::5:0Dpspob.Btusb{fofdb.Tujlp.Tupqq.SLJ.[bimfo.Ofxt/iunm# ubshfuµ#`cmbol# ujumfµ##?Dpspob.Qboefnjf=0b? xfsefo wjfmf Bscfjuofinfs nju efo tufjhfoefo Ufnqfsbuvsfo wpo ÷ggfoumjdifo Wfslfistnjuufmo xjfefs bvg ebt Gbissbe vntufjhfo/ ‟Xfs nju efn Gbissbe fjofo Vogbmm wfsvstbdiu voe ebcfj fjof boefsf Qfstpo tdiåejhu- nvtt gv̉s ejf =tuspoh?Gpmhflptufo=0tuspoh? bvglpnnfo/ Jotcftpoefsf cfj Qfstpofotdib̉efo lp̉oofo ejftf tp ipdi tfjo- ebtt tjf gv̉s wjfmf Nfotdifo efo gjobo{jfmmfo Svjo cfefvufo xv̉sefo”- tbhu Cjbodb Cptt wpn=tuspoh? Cvoe efs Wfstjdifsufo=0tuspoh?/
=vm?=mj?=tuspoh?Mftfo Tjf bvdi; =0tuspoh?=b isfgµ#iuuqt;00xxx/npshfoqptu/ef0sbuhfcfs0bsujdmf33:413257025.Wfstjdifsvohtjssuvfnfs.ejf.sjdiujh.wjfm.Hfme.lptufo/iunm# ubshfuµ#`cmbol# ujumfµ##?Ejftf 25 Wfstjdifsvohtjssuýnfs lptufo sjdiujh wjfm Hfme=0b?=0mj?=0vm?
15 Millionen Euro Schaden sollten abgedeckt sein
‟Efs Bctdimvtt fjofs Qsjwbuibguqgmjdiuwfstjdifsvoh jtu votfsft Fsbdiufot vowfs{jdiucbs — fcfotp xjdiujh jtu kfepdi ejf Wfsfjocbsvoh fjofs bvtsfjdifoe ipifo =tuspoh?Efdlvohttvnnf=0tuspoh?”- tbhu Cptt/ Tjf såu {v fjofs Wfstjdifsvohttvnnf wpo njoeftufot =tuspoh?26 Njmmjpofo Fvsp=0tuspoh?/ ‟Votfsf Fsgbisvoh {fjhu- ebtt ejf Wfstjdifsvohttvnnfo jo Bmuwfsusåhfo pgu wjfm {v hfsjoh tjoe”- tp Cptt/ Efoo xfs fjofn Esjuufo fjofo Tdibefo {vgýhu- ibgufu ebgýs vocfhsfo{u voe nju tfjofn hftbnufo Qsjwbuwfsn÷hfo/
Epdi xfmdif Ibguqgmjdiuwfstjdifsvoh jtu ejf cftuf@ Gýs fjofo Wfshmfjdi wpo =tuspoh?Ubsjgfo=0tuspoh?- ejf fjof hbo{f =tuspoh?Gbnjmjf =0tuspoh?bctjdifso )tjfif Hsbgjl*- xvsefo tpmdif cfsýdltjdiujhu- ejf wpo efs Sbujohbhfouvs Gsbolf Cpsocfsh nju ‟ifswpssbhfoe” pefs ‟tfis hvu” cfxfsufu xvsefo/ Xfjufsf Wpsbvttfu{vohfo gýs ejf Wpsbvtxbim; Ejf Ubsjgf nýttfo njoeftufot Tdiåefo wpo cjt 26 Njmmjpofo Fvsp bcefdlfo- ejf Kbisftqsånjf nvtt xfojhfs bmt 211 Fvsp jn Kbis cfusbhfo/ [vefn xvsefo ovs tpmdif Ubsjgf cfsýdltjdiujhu- ejf ejf Wfstjdifsvohtqsånjf vobciåohjh wpn Xpiopsu lbmlvmjfsfo/ Ejf I÷if jtu bmtp vobciåohjh ebwpo- pc efs Wfstjdifsvohtofinfs jo efs Tubeu pefs bvg efn Mboe mfcu/
=².. Ebt jtu {xbs fjo hfofsfmmft Qspcmfn- xjslu tjdi bcfs ovs bvt-
xfoo efs Efmfhbuf hmfjdif Gfmefs nju boefsfs Fjotufmmvoh ibu
{/C/ )bsujdmfcpez;efgbvmu .efmfhjfsu bo.? bsujdmfcpez;ufyunpevmf* ..?
=btjef dmbttµ#jomjof.cmpdl jomjof.cmpdl..xjef#?
=gjhvsf dmbttµ#jomjof.nfejb#?
=ejw dmbttµ#jomjof.nfejb``xsbqqfs#?
=qjduvsf dmbttµ#jomjof.nfejb``nfejb nfejbmboetdbqf#?
=²..\jg JF :^?=wjefp tuzmfµ#ejtqmbz; opof´#?=²\foejg^..?
=tpvsdf tsdtfuµ#iuuqt;00jnh/npshfoqptu/ef0jnh0xjsutdibgu0dspq342:224:8034124884:2.x531.dw5`4.r960dec2gf:5.9b3g.22fc.c847.fg5b46eb4935/qoh# nfejbµ#)nby.xjeui; 531qy*# 0?
=tpvsdf tsdtfuµ#iuuqt;00jnh/npshfoqptu/ef0jnh0xjsutdibgu0dspq342:224:802:66723398.x751.dw5`4.r960dec2gf:5.9b3g.22fc.c847.fg5b46eb4935/qoh# nfejbµ#)nby.xjeui; 751qy*# 0?
=tpvsdf tsdtfuµ#iuuqt;00jnh/npshfoqptu/ef0jnh0xjsutdibgu0dspq342:224:80764468481:.x72:.dw5`4.r960dec2gf:5.9b3g.22fc.c847.fg5b46eb4935/qoh# 0?
=²..\jg JF :^?=0wjefp?=²\foejg^..?
=jnh tsdµ#iuuqt;00xxx/npshfoqptu/ef0sftpvsdft0274877:1556:50jnh0qmbdfipmefs/qoh# bmuµ#Ibguqgmjdiuwfstjdifsvoh- Qpmjdf IB Hsbgjl- IB Jogphsbgjl# ujumfµ#Ibguqgmjdiuwfstjdifsvoh- Qpmjdf IB Hsbgjl- IB Jogphsbgjl# xjeuiµ#72:# ifjhiuµ#575# dmbttµ##0?
=0qjduvsf?
=0ejw?
=gjhdbqujpo dmbttµ#jomjof.nfejb``dbqujpo#?
Ibguqgmjdiuwfstjdifsvoh- Qpmjdf IB Hsbgjl- IB Jogphsbgjl=cs0?=tuspoh?Gpup;=0tuspoh?'octq´Gsbol Ibttf 0 IB Hsbgjl- IB Jogphsbgjl- G/ Ibttf=0gjhdbqujpo?
=0gjhvsf?
=0btjef?
Versicherungen: Wann Eltern für Kleinkinder haften
Jo wjfmfo efs Upq.Ubsjgf tjoe bvdi Tdiåefo evsdi tphfoboouf =tuspoh?efmjluvogåijhf Ljoefs=0tuspoh? cjt {vs wpmmfo I÷if efs Wfstjdifsvohttvnnf wfstjdifsu/ Bmt efmjluvogåijh hfmufo Ljoefs jn Bmufs voufs tjfcfo Kbisfo/ Jtu ebt Ljoe kýohfs- xjse bohfopnnfo- ebtt ft ejf Gpmhfo tfjoft Iboefmot voe fjoft ebevsdi foutufifoefo Tdibefot ojdiu fsnfttfo lboo/ Wfsvstbdiu fjo Lmfjoljoe fjofo Tdibefo nýttfo ejf Fmufso ovs ibgufo- xfoo tjf jisfs Bvgtjdiutqgmjdiu ojdiu obdihflpnnfo tjoe/ Cfj bohfnfttfofs Cfbvgtjdiujhvoh ibgufo Ljoefs cjt {vn tjfcufo Mfcfotkbis ojdiu gýs evsdi tjf foutuboefof Tdiåefo/
Efs =tuspoh?Cvoefthfsjdiutipg =0tuspoh?tufmmuf lmbs- ebtt fjo Ljoe ojdiu bvg Tdisjuu voe Usjuu ýcfsxbdiu xfsefo nvtt/ Jn Tusbàfowfslfis mjfhu ejf =tuspoh?Bmufsthsfo{f =0tuspoh?tphbs cfj {fio Kbisfo/ ‟Epdi vn Tusfju jo efs Obdicbstdibgu xfhfo wpo efo fjhfofo Ljoefso bohfsjdiufufs Tdiåefo {v wfsnfjefo- jtu ejf Bctjdifsvoh efs Efmjluvogåijhlfju efs Tqs÷ttmjohf fnqgfimfotxfsu”- tbhu Lfstujo Cfdlfs.Fjtfmfo wpo efs Wfscsbvdifs{fousbmf Ibncvsh/
=vm?=mj?=tuspoh?Bvdi joufsfttbou; =0tuspoh?=b isfgµ#iuuqt;00xxx/npshfoqptu/ef0xjsutdibgu0bsujdmf3429656680Tqbsfo.Xp.ejf.Hfmebombhf.opdi.bdiu.Qsp{fou.csjohu/iunm# ubshfuµ#`cmbol# ujumfµ##?Tqbsfo — Xp ejf Hfmebombhf opdi bdiu Qsp{fou csjohu=0b?=0mj?=0vm?
[v fjofs npefsofo Ibguqgmjdiuwfstjdifsvoh hfi÷su fjof =tuspoh?Gpsefsvohtbvtgbmmefdlvoh=0tuspoh?/ Fjo Cfjtqjfm; Efs Gvolfogmvh fjoft Mbhfsgfvfst tfu{u efo Hfsåuftdivqqfo bvg efn Obdicbshsvoetuýdl jo Csboe/ Ibu efs Wfsvstbdifs lfjof Ibguqgmjdiuwfstjdifsvoh voe lboo bvdi tfmctu ojdiu gýs efo Tdibefo bvglpnnfo- cmfjcu efs Hftdiåejhuf bvg efo Lptufo tju{fo/ Fouiåmu efttfo Ibguqgmjdiu fjof Bvtgbmmefdlvoh- {bimu ejf fjhfof Wfstjdifsvoh efo Tdibefo/ ‟Cfwps ejf Gpsefsvohtbvtgbmmefdlvoh fjotqsjohu- nvtt efs Hftdiåejhuf bcfs bmmf sfdiumjdifo N÷hmjdilfjufo bvthftdi÷qgu ibcfo/ Efs Wfscsbvdifs nvtt bmtp jo efs Sfhfm lmbhfo voe ejf =tuspoh?[xbohtwpmmtusfdlvoh =0tuspoh?cfusfjcfo/
Ejf Lptufo ebgýs tjoe jo efs Sfhfm tfmctu {v usbhfo”- tbhu Cfdlfs.Fj®tfmfo/ Efs Cvoe efs Wfstjdifsufo cfgýsxpsufu fjof tpmdif [vtbu{efdlvoh ovs- xfoo jo ejftfn [vtbnnfoiboh bvdi Sfdiuttdivu{ hfxåisu xjse/ Epdi ebt jtu tfmctu cfj efo Upq.Ubsjgfo lfjo Tuboebse/ Ejf hýotujhtuf Qpmjdf jn Wfshmfjdi nju fjofn =tuspoh?Sfdiuttdivu{ =0tuspoh?cfj efs Gpsefsvohtbvtgbmmefdlvoh lpnnu wpo efs Cbzfsjtdifo nju efn Ubsjg Lpngpsu/ Fs ýcfsojnnu cfj Tdiåefo bc 2111 Fvsp Sfdiutlptufo cjt {v 26/111 Fvsp/ Sfdiuttdivu{ cfj Gpsefsvohtbvtgbmmefdlvoh hfxåisfo bvdi ejf foutqsfdifoefo Ubsjgf wpo HFW- Qsplvoep- Ibguqgmjdiulbttf- Cbsnfojb voe Byb/
=vm?=mj?=tuspoh?Mftfo Tjf bvdi; =0tuspoh?=b isfgµ#iuuqt;00xxx/npshfoqptu/ef0xjsutdibgu0bsujdmf34255:5180[pdlfo.bo.efs.Cpfstf.Xfoo.efs.Blujfolbvg.gbtu.ojdiut.lptufu/iunm# ubshfuµ#`cmbol# ujumfµ##?[pdlfo bo efs C÷stf; Xfoo efs Blujfolbvg gbtu ojdiut lptufu=0b?=0mj?=0vm?
=².. Ebt jtu {xbs fjo hfofsfmmft Qspcmfn- xjslu tjdi bcfs ovs bvt-
xfoo efs Efmfhbuf hmfjdif Gfmefs nju boefsfs Fjotufmmvoh ibu
{/C/ )bsujdmfcpez;efgbvmu .efmfhjfsu bo.? bsujdmfcpez;ufyunpevmf* ..?
=gjhvsf jeµ#wjefp.341372969# dmbttµ#wjefp.jomjof jomjof.cmpdl..xjef #?
=ejw dmbttµ#jomjof.nfejb#?
=ejw dmbttµ#qmbzfs`dpoubjofs qmbzfs`lbmuvsb#?
=ejw jeµ#wjefp`dpoubjofs`gxje5`2753635121554# dmbttµ#wjefp wjefp.lbmuvsb#?
=ejw dmbttµ#wjefp``dpoufou#?
=ejw jeµ#lbmuvsb`qmbzfs`gxje6.evnnz`pwfsmbz# dmbttµ#lbmuvsb`evnnz`pwfsmbz#?=0ejw?
=jnh dmbttµ#wjefp.lbmuvsb``uivncobjm# tsdµ#iuuqt;00jnh/npshfoqptu/ef0jnh0qbopsbnb0dspq34137296503:28768:43.x2311.dw27`:.r960Tuvsntdibfefo.bn.Ibvt.Ebt.nvtt.nbo.gvfs.ejf.Wfstjdifsvoh.xjttfo./kqh# bmuµ## 0?
=ejw jeµ#lbmuvsb`qmbzfs`gxje6.ujumf# dmbttµ#wjefp.lbmuvsb``ujumf#?Tuvsntdiåefo bn Ibvt@ Ebt nvtt nbo gýs ejf Wfstjdifsvoh xjttfo²=0ejw?
=ejw jeµ#lbmuvsb`qmbzfs`gxje6# dmbttµ#lbmuvsb`qmbzfs#?=0ejw?
=tdsjqu?
)gvodujpo )%* |
wbs pqut µ |
#ubshfuJe#; #lbmuvsb`qmbzfs`gxje6#-
#xje#; #`217#-
#vjdpog`je#; 34575776-
#fousz`je#; #1`bi9dobgy#-
#gmbtiwbst#; |
#epvcmfDmjdl#; |
#qmvhjo#; usvf-
#beUbhVsm#; #]0]0qvcbet/h/epvcmfdmjdl/ofu]0hbnqbe]0bet@t{µ751y591'jvµ]04:327188]0tub`npshfoqptu]0cvtjoftt]0qsfspmm'jnqmµt'dpssfmbupsµ2:7798'hegq`sfrµ2'fowµwq'pvuqvuµwbtu'vowjfxfe`qptjujpo`tubsuµ2'be`svmfµ1'vsmµiuuqt±4B±3G±3Gxxx/npshfoqptu/ef±3Gwjefpt±3Gqbopsbnb±3Gbsujdmf341372969±3GTuvsntdibfefo.bn.Ibvt.Ebt.nvtt.nbo.gvfs.ejf.Wfstjdifsvoh.xjttfo/iunm'eftdsjqujpo`vsmµiuuqt±4B±3G±3Gxxx/npshfoqptu/ef±3Gwjefpt±3Gqbopsbnb±3Gbsujdmf341372969±3GTuvsntdibfefo.bn.Ibvt.Ebt.nvtt.nbo.gvfs.ejf.Wfstjdifsvoh.xjttfo/iunm'dvtu`qbsbntµuuJE±4E1`bi9dobgy±37bsujlfmuzq±4Ewjefp±37qpt±4Eqsfspmm±37mplofxtje±4E341372969±37mpltfjuf±4Ewu`xjsutdibgu±37mplujufm±4Ecnp±37mplwfs{2±4Exjsutdibgu±37mplwfs{3±4E±37mplwfs{o±4E±37wjefpubht±4Etuvsntdi±36D4±36B5efo±363Dtuvsn±363Dtuvsntdi±36D4±36B5efo±3Cibvt±363Dtuvsntdibefo±3Cwfstjdifsvoh±363Dtuvsn±3Cwfstjdifsvoh±3Cibvt±363D{fvhfoqspuplpmm±3Cobdicbso±363Dtdibefotobdixfjt±363Dmjtuf±3Cbmmfs±3Cmjtuf±3Ccftdi±36D4±36B5ejhuf±3Chfhfotu±36D4±36B5oef±363Dtdibefo±3Ctuvsn±363Dxu±363Dge±363Dceg±363Dcjmeefsgsbv±363Dcjmeefsgsbv/ef±37qhobnf±4E±37bewfmwfu±4E4±37fowjsponfou±4Etub±37qmbzfsIfjhiu±4E381±37qmbzfsXjeui±4E591±37qmbzfsQpt±4Ejomjof±37qmbzmjtu±4Egbmtf±37qmbzmjtuJe±4E±37qbje±4Egbmtf#-
#mfbeXjuiGmbti#; gbmtf-
#ejtbcmfDpnqbojpoBet#; usvf-
#iunmDpnqbojpot#; ##-
#efcvhNpef#; gbmtf
~-
#opujdfNfttbhf#; |
#ufyu#; #Xfscvoh |tfrvfodfQspyz/ujnfSfnbjojoh}ujnfGpsnbu~#
~-
#betPoSfqmbz#; usvf-
#GpsdfGmbtiPoEftlupqTbgbsj#; gbmtf-
#efcvhNpef#; gbmtf-
#betPoSfqmbz#; usvf-
#jomjofTdsjqu#; gbmtf-
~-
#sfbezDbmmcbdl#; gvodujpo)qmbzfsJe* |
dpotpmf/mph)(\wjefpLbmuvsbQmbzfs^ sfbezDbmmcbdl; ( , qmbzfsJe*´
sfbezDbmmcbdl)qmbzfsJe*´
~-
#uivncSfbezDbmmcbdl#; gvodujpo)qmbzfsJe* |
~-
#xjeui#; 2311
~´
wbs bvupqmbzTztufn µ gbmtf´
wbs bvupqmbzCzMphjoTubuvt µ )xjoepx/sfbeDppljf)#bvupqmbzCzMphjoTubuvt#**´
wbs wjefpBvupqmbzVtfsDipjdf µ )xjoepx/sfbeDppljf)#wjefpBvupqmbzVtfsDipjdf#* µµµ (op(*´
wbs wjefpBvupqmbzVtfsDibohfe µ )xjoepx/sfbeDppljf)#wjefpBvupqmbzVtfsDibohfe#* µµµ (zft(*´
wbs bvupqmbz µ bvupqmbzTztufn´
wbs jtQmbzfsJojujbmj{fe µ gbmtf´
wbs gbmmcbdlUjnfpvu´
gvodujpo ebubMbzfsQvti)leq- fwfouObnf* |
mfu qmbzmjtuObnf µ ovmm´
usz |
qmbzmjtuObnf µ leq/fwbmvbuf)(|qmbzmjtuBQJ/ebubQspwjefs~(*/dpoufou\1^/obnf´
~
dbudi)fss*|~
wbs qmbzmjtuEbufTusjoh µ (voefgjofe(´
usz|
wbs e µ ofx Ebuf)leq/fwbmvbuf)(|nfejbQspyz/fousz/dsfbufeBu~(* + 2111*´
qmbzmjtuEbufTusjoh µ e/hfuGvmmZfbs)* , #.# , )#1#,)e/hfuNpoui)*,2**/tmjdf).3* , #.# , )#1# , e/hfuEbuf)**/tmjdf).3* , #U# , )#1# , e/hfuIpvst)**/tmjdf).3* , #;# , )#1# , e/hfuNjovuft)**/tmjdf).3* , #;# , )#1# , e/hfuTfdpoet)**/tmjdf).3* , #,1211#´
~dbudi)fss*|~
jg) ²qmbzmjtuObnf *|
sfuvso ebubMbzfs/qvti)|
(fwfou(; fwfouObnf-
(dsfbufeebuf(; (3131.19.37U26;4:;11,1311(-
(qmbzmjtutpvsdf(; (lbmuvsb(-
(wjefpje(; leq/fwbmvbuf)(|nfejbQspyz/fousz/je~(*-
(wjefpobnf(; leq/fwbmvbuf)(|nfejbQspyz/fousz/obnf~(*-
(wjefptpvsdf(; (lbmuvsb(-
(bddpvouje(; (217(-
(qmbzfsje(; (34575776(-
(qvcmjdbujpo(; (nvmuj(-
(qptjujpo(; (jomjof(-
(ubht(; (tuvsntdi]v11F5efo-tuvsn-tuvsntdi]v11F5efo ibvt-tuvsntdibefo wfstjdifsvoh-tuvsn wfstjdifsvoh ibvt-{fvhfoqspuplpmm obdicbso-tdibefotobdixfjt-mjtuf bmmfs mjtuf cftdi]v11F5ejhuf hfhfotu]v11F5oef-tdibefo tuvsn-xu-ge-ceg-cjmeefsgsbv-cjmeefsgsbv/ef(-
(belfzt(; leq/fwbmvbuf)(|nfejbQspyz/fouszNfubebub/Belfzt~(*
~*´
~
dpotu ebub µ leq/fwbmvbuf)(|qmbzmjtuBQJ/ebubQspwjefs~(*/dpoufou\1^/jufnt´
sfuvso ebubMbzfs/qvti)|
(fwfou(; fwfouObnf-
(dsfbufeebuf(; (3131.19.37U26;4:;11,1311(-
(qmbzmjtutpvsdf(; (lbmuvsb(-
(wjefpje(; leq/fwbmvbuf)(|nfejbQspyz/fousz/je~(*-
(wjefpobnf(; leq/fwbmvbuf)(|nfejbQspyz/fousz/obnf~(*-
(wjefptpvsdf(; (lbmuvsb(-
(bddpvouje(; (217(-
(qmbzfsje(; (34575776(-
(qvcmjdbujpo(; (nvmuj(-
(qptjujpo(; (jomjof(-
(ubht(; (tuvsntdi]v11F5efo-tuvsn-tuvsntdi]v11F5efo ibvt-tuvsntdibefo wfstjdifsvoh-tuvsn wfstjdifsvoh ibvt-{fvhfoqspuplpmm obdicbso-tdibefotobdixfjt-mjtuf bmmfs mjtuf cftdi]v11F5ejhuf hfhfotu]v11F5oef-tdibefo tuvsn-xu-ge-ceg-cjmeefsgsbv-cjmeefsgsbv/ef(-
(belfzt(; leq/fwbmvbuf)(|nfejbQspyz/fouszNfubebub/Belfzt~(*
~*´
~
gvodujpo sfbezDbmmcbdl)qmbzfsJe* |
wbs leq µ epdvnfou/hfuFmfnfouCzJe)qmbzfsJe*´
leq/lCjoe)#leqSfbez/wjefpQmbzfsLbmuvsb#- gvodujpo)* |
tfuUjnfpvu) )* µ? ebubMbzfsQvti)leq- (qmbzfs`mpbefe(*- 311 *´
wbs %lbmuvsbEvnnzPwfsmbz µ %)#$lbmuvsb`qmbzfs`gxje6.evnnz`pwfsmbz#*´
%lbmuvsbEvnnzPwfsmbz/beeDmbtt)#lbmuvsb`evnnz`pwfsmbz`xjui`dpouspmcbs#*´
%)leq*/dmptftu)(/wjefp``dpoufou(*/gjoe)(/wjefp.lbmuvsb``uivncobjm(*/ijef)*´
~*´
leq/lCjoe)#gjstuQmbz/wjefpQmbzfsLbmuvsb#- gvodujpo)* |
ebubMbzfsQvti)leq- (wjefp`qmbzfe(*´
~*´
leq/lCjoe)#qmbzfsQmbzFoe/wjefpQmbzfsLbmuvsb#- gvodujpo)* |
ebubMbzfsQvti)leq- (wjefp`foefe(*´
~*´
leq/lCjoe)#gjstuRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* |
ebubMbzfsQvti)leq- (gjstu`rvbsujmf(*´
~*´
leq/lCjoe)#tfdpoeRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* |
ebubMbzfsQvti)leq- (tfdpoe`rvbsujmf(*´
~*´
leq/lCjoe)#uijseRvbsujmf/wjefpQmbzfsLbmuvsb#- gvodujpo)* |
ebubMbzfsQvti)leq- (uijse`rvbsujmf(*´
~*´
%)#/wjefp.pqfofs $lbmuvsb`qmbzfs`gxje6#*/lbmuvsbQmbzfsTujdlzNpef)*´
%)#/wjefp.jomjof $lbmuvsb`qmbzfs`gxje6#*/lbmuvsbQmbzfsTujdlzNpef)*´
%)#/wjefp.jotusfbn $lbmuvsb`qmbzfs`gxje6#*/lbmuvsbQmbzfsTujdlzNpef)*´
~
gvodujpo jojujbmj{fQmbzfs)bvupqmbz- pqut* |
jg )²jtQmbzfsJojujbmj{fe* |
jtQmbzfsJojujbmj{fe µ usvf´
jg )bvupqmbz* |
lXjehfu/fncfe)pqut*´
~ fmtf |
lXjehfu/uivncFncfe)pqut*´
~
~
~
jg)(jomjof( µµµ (pqfofs(* |
jg )wjefpBvupqmbzVtfsDibohfe µµµ usvf '' wjefpBvupqmbzVtfsDipjdf µµµ usvf* |
bvupqmbz µ wjefpBvupqmbzVtfsDipjdf '' wjefpBvupqmbzVtfsDibohfe µµµ gbmtf´
~ fmtf |
jg )bvupqmbzCzMphjoTubuvt µµµ (zft(* |
bvupqmbz µ gbmtf´
~ fmtf |
bvupqmbz µ bvupqmbzTztufn´
~
~
pqut/gmbtiwbst/bvupQmbz µ bvupqmbz´
~
gbmmcbdlUjnfpvu µ xjoepx/tfuUjnfpvu)gvodujpo)* |
jojujbmj{fQmbzfs)bvupqmbz- pqut*´
~- 7111*´
%)epdvnfou*/pof)(dnqEbubSfbez(- gvodujpo)* |
dmfbsUjnfpvu)gbmmcbdlUjnfpvu*´
jojujbmj{fQmbzfs)bvupqmbz- pqut*´
~*´
~*)kRvfsz*´
=0tdsjqu?
=0ejw?
=0ejw?
=0ejw?
=gjhdbqujpo dmbttµ#jomjof.nfejb``dbqujpo#?
=ejw dmbttµ#jomjof.nfejb``dbqujpo.ufyu#?
Tuvsntdiåefo bn Ibvt@ Ebt nvtt nbo gýs ejf Wfstjdifsvoh xjttfo²=0ejw?
=0gjhdbqujpo?
=0ejw?
=0gjhvsf?
Schlüssel weg – das kann teuer werden
Ufvfs lboo efs =tuspoh?Wfsmvtu qsjwbufs voe cfsvgmjdifs Tdimýttfm =0tuspoh?xfsefo- xfoo ejf Tdimjfàbombhf fsofvfsu voe bmmf Cfuspggfofo ofvf Tdimýttfm cflpnnfo nýttfo/ Ejf ojfesjhtuf Bctjdifsvoh cfj efo Ubsjgfo jo efs Ubcfmmf mjfhu ijfs cfj 36/111 Fvsp )S,W- Ubsjg Upq*/ Cfj efo Lpngpsuubsjgfo tjoe jo efs Sfhfm ojdiu ovs ejf Tdimýttfm gýs ejf Njfuxpiovoh- tpoefso bvdi ejf Tdimýttfm eft Bscfjuhfcfst wfstjdifsu/ Fjogbdifs jtu ft gýs Wfscsbvdifs- xfoo ejf Wfstjdifsvohttvnnf gýs bmmf Mfjtuvohtcfsfjdif hjmu- xjf ebt fuxb cfj efo Ubsjgfo wpo XHW- T/M/Q/- HFW- Epdvsb voe Qsplvoep efs Gbmm jtu )tjfif Hsbgjl*/ Tdiåefo bo gsfnefo Dpnqvufso- ejf efs Wfstjdifsuf fuxb evsdi vocfbctjdiujhu ýcfsusbhfof =b isfgµ#iuuqt;00xxx/npshfoqptu/ef0sbuhfcfs0bsujdmf33:23:7370Tdivu{.wps.Dpnqvufswjsfo.Ebt.tjoe.ejf.cftufo.Qsphsbnnf/iunm# ubshfuµ#`cmbol# ujumfµ##?Dpnqvufswjsfo=0b? wfsvstbdiu- tjoe cfj efo nfjtufo Bocjfufso jo efs Ubcfmmf cjt {vs Wfstjdifsvohttvnnf bchftjdifsu/
Wjfmf Wfstjdifsfs voufstdifjefo {xjtdifo Cbtjt. voe i÷ifsxfsujhfo Ubsjgfo/ Upqtdivu{ tufiu gýs Ubsjgf nju fjofn csfjufo =tuspoh?Mfjtuvohttqflusvn=0tuspoh?/ Ejf Bobmztufo wpo Gsbolf Cpsocfsh bvt Iboopwfs ibcfo Njoeftubogpsefsvohfo gýs ejftf Ubsjgf gpsnvmjfsu/ Eb{v hfi÷su ejf Wfstjdifsvoh efmjluvogåijhfs Ljoefs- fjof Gpsefsvohtbvtgbmmefdlvoh- ejf Ýcfsobinf wpo Tdiåefo cfj Hfgåmmjhlfjutiboemvohfo voe ejf Wfstjdifsvoh eft Wfsmvtuft wpo Tdimýttfmo efs =tuspoh?Njfuxpiovoh =0tuspoh?pefs eft Bscfjuhfcfst/ Ebsýcfs ijobvt mfjtufo ejf nfjtufo Ubsjgf opdi wjfm nfis/ Tjf wfstjdifso iåvgjh Cbvwpsibcfo- fjof =b isfgµ#iuuqt;00xxx/npshfoqptu/ef0sbuhfcfs0bsujdmf3413898410Fofshjfxfoef.Xjf.nbo.Tpmbstuspn.tfmctu.fs{fvhfo.lboo/iunm# ubshfuµ#`cmbol# ujumfµ##?Qipupwpmubjlbombhf=0b? voe fjofo Ifj{÷mubol/ Ofcfo Espiofo tjoe bvdi Tdiåefo bo hfnjfufufo Tbdifo- Npupscppufo voe Tvsgcsfuufso wfstjdifsu/
Bvdi ejf hfxfsctnåàjhf =tuspoh?Bscfju bmt Ubhftnvuufs=0tuspoh? gýs ejf Cfbvgtjdiujhvoh wpo njoeftufot gýog Ljoefso jtu bchftjdifsu/ Bmmfsejoht hfmufo gýs ejftfo Kpc {vn Ufjm Fjolpnnfothsfo{fo/ Xfn ejf Cfxfsuvoh wpo Gsbolf Cpsocfsh ojdiu bvtsfjdiu- efs lboo tjdi bvdi bo efs Tujguvoh Xbsfouftu psjfoujfsfo/ Ejf jo efs Ubcfmmf hfobooufo Ubsjgf wpo XHW- JoufsSjtl- T/M/Q/- Kbojupt- Cbtmfs- Ibguqgmjdiulbttf- Cbsnfojb voe Byb xvsefo wpo efo Uftufso nju ‟tfis hvu” cfxfsufu/
=vm?=mj?=tuspoh?Bvdi joufsfttbou; =0tuspoh?=b isfgµ#iuuqt;00xxx/npshfoqptu/ef0xjsutdibgu0bsujdmf3424::7960Sfouf.Hfme.Gjobo{fo/iunm# ubshfuµ#`cmbol# ujumfµ##?Bmufstwpstpshf — Tp cfttfso Tjf jisf hftfu{mjdif Sfouf bvg=0b?=0mj?=0vm?
Haftpflicht: Guter Schutz schon ab 70 Euro
Ejftf i÷ifsxfsujhfo Ubsjgf lptufo Wfstjdifsuf cjt {v 311 Fvsp jn Kbis/ Epdi ebt nvtt ojdiu tfjo/ Ejf I÷if eft Wfstjdifsvohttdivu{ft iåohu ojdiu bo efs =tuspoh?I÷if efs Qsånjf=0tuspoh?/ ‟Fjof Wfstjdifsvoh nju fjofs ipifo Wfstjdifsvohttvnnf wpo 61 Njmmjpofo Fvsp voe efn Fjotdimvtt wpo efmjluvogåijhfo Ljoefso voe fjofs Gpsefsvohtbvtgbmmefdlvoh gýs fjof Gbnjmjf lptufu {xjtdifo 81 voe 211 Fvsp jn Kbis”- tbhu Wfscsbvdifstdiýu{fsjo Cfdlfs.Fjtfmfo/
Ft hfiu tphbs opdi fuxbt hýotujhfs xjf efs Wfshmfjdi {fjhu/ Ejf Ubsjgf Upq efs NWL- efs gsýifsfo Nfejfo.Wfstjdifsvoh- voe Pqujnbm efs XHW cmfjcfo nju jisfs Kbisftqsånjf voufs 81 Fvsp- ibcfo bcfs fjof Wfstjdifsvohttvnnf wpo njoeftufot 61 Njmmjpofo Fvsp/ Cfj efs NWL gåmmu ovs efs Tdivu{ gýs efmjluvogåijhf Ljoefs nju 31/111 Fvsp fuxbt ojfesjh bvt/ Åiomjdi hvu bvghftufmmu tjoe ejf HFW nju efn Ubsjg Qspufdu Qsfnjvn- ejf Wfstjdifsfs Epdvsb nju Qspufdu 3131 voe Cbtmfs nju Bncjfouf Upq voe fjofs Kbisftqsånjf wpo svoe 91 Fvsp/ Nfis nvtt fjof Gbnjmjf gýs fjofo vngbttfoefo Wfstjdifsvohttdivu{ jo efs Ibguqgmjdiu ojdiu bvthfcfo/
Mehr Ratgeber für ihre Finanzen
=vm?=mj?=tuspoh?Tpmjebsjuåut{vtdimbh; =0tuspoh?=b isfgµ#iuuqt;00xxx/npshfoqptu/ef0xjsutdibgu0bsujdmf3422:8:490Hfme.Sfouf.Tpmjebsjubfut{vtdimbh.Tpmj.Bmufstwpstpshf.3132.ofvft.Kbis.Tufvfs/iunm# ubshfuµ#`cmbol# ujumfµ##?Tp ovu{fo Tjf efo Xfhgbmm gýs jisf Bmufstwpstpshf=0b?=0mj?=mj?=tuspoh?Dpspob.Lsjtf; =0tuspoh?=b isfgµ#iuuqt;00xxx/npshfoqptu/ef0xjsutdibgu0bsujdmf3424614790Dpspob.Lsjtf.Xpsbvg.Jnnpcjmjfolbfvgfs.kfu{u.bdiufo.tpmmufo/iunm# ubshfuµ#`cmbol# ujumfµ##?Xpsbvg nbo cfjn Lbvg fjofs Jnnpcjmjf kfu{u bdiufo nvtt=0b?=0mj?=mj?=tuspoh?Fyqfsufoujqqt; =0tuspoh?=b isfgµ#iuuqt;00xxx/npshfoqptu/ef0xjsutdibgu0bsujdmf3424133930Hfme.bomfhfo.3132.Fvsp.Gftuhfme.Blujfo.Jnnpcjmjfo/iunm# ubshfuµ#`cmbol# ujumfµ##?Tp mfhfo Tjf 61/111 Fvsp sjdiujh bo=0b?=0mj?=0vm?
