Fachanwalt SAV Haftpflicht- und Versicherungsrecht study materials
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A gross loss schedule and coordinated payments

Fachanwalt SAV Haftpflicht- und Versicherungsrecht · Put your knowledge to work in context.

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A gross loss schedule and coordinated payments

A fictional claimant submits a schedule listing treatment expenses, lost income and future assistance costs after an injury. Some past expenses have supporting receipts, a projected future amount has no stated method, and a separate benefit provider has made a payment connected with one listed loss. The case does not specify the exact legal basis for recourse, subrogation, deductions or nonpecuniary compensation. A learner simply adds every listed amount and says the sum must be awarded twice because two potential payers exist. Students must distinguish documented loss, projection, causation, applicable coordination and the identity of the relevant claim holder. The exercise does not assume that every benefit eliminates the underlying claim or that duplicate recovery is automatically allowed.

1. What needs to be separated?

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Distinguish the different heads of loss, their evidential support and causal connection, and the legal effect of the existing payment. A gross schedule is not automatically the recoverable award.

2. How should coordination be approached?

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Identify the actual benefit, claim holder and governing recourse or deduction rule. Do not assume either double recovery or complete disappearance of the claim without the legal basis.