Debt at health insurance, what to do? Co Collins
A colleague was with me and searched the internet for vehicles.
When he wanted to go to the toilet, he accidentally got his hand on the laptop when he got up, and it fell from the edge of the table onto the tiled floor. Fortunately, he has liability insurance. The damage was reported in accordance with the rules and in detail and I had a cost estimate for the repair prepared by a specialist nearby and submitted it to the insurance company under the damage number.
After a short time the answer came; I should send the laptop to the insurance company, an expert would like to have a look at it. Said and done.
Now the answer came a few days ago; I pay the entire damage, including the estimate fee and postage, but the laptop is collected by the insurance company. Can you really do that? I mean it's still MY laptop and I didn't do the damage.
The damage number is a total of just under 1400 euro, the laptop cost just under 2,200 euro 3 years ago (MacBook Pro). Maybe the damage amount exceeds the current value, but I was not "warned" so that I could at least create a backup.
As I could see it in the mail, it said something like:
"Either you take the money and we keep the laptop, or you get it back without paying any damage."
So my question is: Can the insurance company move the laptop in for a deposit or do I not have to consent and can I reclaim the laptop including the payment?
I would never have sent the lappi away without removing the hard drive with my personal data.
Then they could have cheered under the kneecap.
In order to test a laptop or computer, no hard drive has to be installed.
That is only possible with total loss
Can't you agree a residual sum y with the insurance company so that you get the device back and a sum x as a claim settlement?
You can easily get a 3 year old device for half today
And you want to cash in and continue to use the thing?
Your damage will be paid to you, so the thing belongs to them.
No, I want to have my device repaired. However, I was never asked about it - it was directly called "either money or laptop back." That I would like to have my laptop back to have it repaired was apparently out of the question for you.
I have agreed with the insurance company on a damage payment of almost 900 euro for the tracking of the laptop.
I did not agree to moving in the laptop and gave a sum of almost 500 euro as a residual value, which you could deduct from the amount of the damage. For comparison, I submitted a purchase advertisement of the same model WITHOUT damage.
The insurance company agreed and sent the laptop back to me unscathed.
Thank you for the answers.
This question and conclusion will serve as guidance for future similar or identical cases.
