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Anyone who causes damage to other people through carelessness or imprudence must always pay for it. This applies not only to a red wine stain on someone else's tablecloth, but also to more serious accidents and destroyed objects. Therefore the conclusion of a private liability insurance is inevitable.

By law, the perpetrators are liable for damages that they have culpably caused to someone else – and this in an unlimited amount. With the private liability insurance is also a gross recklessness co-insured. Excluded here are only damages that were caused willfully. The conclusion of the private liability insurance is therefore indispensable. In addition, the insurance covers a risk threatening the existence of the company.

In Germany, it is possible to insure oneself against anything and everything. Whether it makes sense or not, statistics show that Germans are world champions in taking out insurance policies. Time and again, test reports show that many insurance policies are superfluous or overpriced. How does it behave with the passenger accident insurance?

Most insurers already using AI technology have focused their investments on customer service projects such as chatbots to automatically capture customer details and respond to queries. For insurance, the best applications for chatbots are product management, marketing, underwriting and contracting, and policy and claims processing. This is shown in a recent AI study by Cognizant. Chatbots can be used to create quasi-instant personalized product recommendations and quotes, allowing consumers and business customers to purchase most insurance policies online in a matter of minutes. For example, insurers likeMetLife are using the chatbot Amelia to make decisions based on real-time conversations through a combination of machine learning and natural language processing.

Faster, more accurate underwriting

All that glitters is not gold – that's true even when it comes to choosing a job. So, of course, you should think carefully about whether or not to take a job. It is not uncommon for the supposed dream job to turn out to be a flop in retrospect. In order to avoid such flops from the outset, it is important to weigh very carefully what requirements one has for a job. The 20 most important criteria, which should always be included in the decision, we have summarized for you below!

Foreword

Let it be said at the outset that not everyone has the same priorities, of course. Whereas some people focus mainly on earnings and subordinate everything else to the salary, for others the compatibility of family and career is decisive. No salary in the world will outweigh a supposedly long commute for the latter. Conversely, those who focus primarily on career opportunities are unlikely to forgo a good position in a prestigious company because of a longer commute – family or not.

Those who decide to get involved and volunteer do not first think about what could happen. After all, one wants to do good. But it is good to know under which circumstances voluntary activities are covered by accident and liability insurance. Who pays when something happens? Or more importantly – what is not covered by insurance?? Where volunteers take responsibility themselves?