HUK COBURG
Coburg
Tips for everyday life
How to properly ignite New Year’s fireworks
If something goes wrong with the fireworks: Which insurance company pays
Normality is back: Nothing stands in the way of an extensive New Year’s Eve celebration. Many will welcome the new year with rockets and firecrackers. HUK-COBURG advises only using fireworks that have been tested by independent testing institutes so that it does not start in the emergency room of a hospital or with considerable property damage.
Of course, fireworks must be in perfect condition and undamaged. If a rocket or firecracker doesn’t ignite immediately, throw it away! Tested and approved fireworks have a registration number and a CE mark with the identification number of the test center. The imprint also reveals who is allowed to handle the fireworks: Category F2 may only be burned on New Year’s Eve and only by adults. Category F1 fireworks – for example crackers or sparklers – can be used by young people from the age of twelve alone.
Very important: Before firing fireworks, always read the instructions for use and make sure you keep a safe distance from the next person.
If you do everything right yourself, you are by no means immune to mistakes made by others. Rockets and firecrackers repeatedly damage parked cars on New Year’s Eve. As a rule, anyone who culpably causes damage must be liable. In fact, car owners rarely know the culprit. If he or she has partially comprehensive insurance, they can report the damage and have it settled. Even if a polluter is identified, this path is passable. Of course, the insurance company gets the money back from the damaging party after the settlement.
Typical damage on New Year’s Eve also includes rockets flying through open windows or skylights. If this develops into a fire that damages the building or contents, this is a homeowners and contents insurance case. As a rule, this type of damage can be easily avoided if windows and skylights are closed.
Much worse, but unfortunately not uncommon on New Year’s Eve: A stray firecracker seriously injures someone – for example in the eyes – permanent damage remains. Nobody knows who shot the firecracker, so the injured person cannot hold anyone accountable. Then they are left with their claims for damages. This is where private accident insurance can help. She doesn’t ask who caused it.
What hardly anyone thinks about: even if the detonator of a firecracker is known, victims can get nothing. Without private liability insurance, you have to be compensated out of your own pocket. In the event of serious accidents, this is an obligation that private individuals are often unable to meet. Here, too, accident victims can take out private accident insurance. It pays independently of other insurances such as private liability insurance.
More information at https://www.huk.de/presse/nachrichten/ Verbrauchertipps/silvesterfeuerwerk.html
Press contact:
Karen Benning
Phone: 09561/9622604
Email: [email protected]
Original content from: HUK-COBURG, transmitted by news aktuell
