For some insurances, the victim can make a claim directly to the insurer instead of the insured party.
Insurances with Direct Claim Right
- Compulsory traffic insurance (KTK art. 97)
- Professional liability insurance (physician)
- Employer financial liability insurance
- Air carrier liability insurance
Advantages
- Collection is possible even if the insured goes bankrupt
- Insurance fund assurance
- Fast process
Process
- Written request to the insurer + document
- 15 days response time
- No response/inadequate → NGO or court
Insurance Arbitration Commission
- Fast, cheap
- Final decision up to a certain amount
- 4-6 months process
Supreme Court 17. HD
17. HD accepts that the victim has the right to "sue the insurer directly" and can collect without suing the insured.
Insurance and compensation lawyer is recommended.