CMR insurance via LUTZ ASSEKURANZ - why?

Gross negligence

For example, do you know if your current insurance covers gross negligence on the part of the driver?

Examples: A driver parks in a different parking lot than he was told to, despite instructions, and a theft occurs there. What happens, for example, if a driver causes an accident while drunk and then also has high-value goods loaded and these are destroyed?

It is often the case that insurers do not provide any cover at all for gross negligence or, if they do, then only with strict sublimits or only up to an upper liability limit of 8.33SDR/kg.

What does this mean in practice in this example? Let's take the case that the truck has loaded cell phones or laptops - these are very light but have a high value. As an example, a laptop has a value of EUR 2,000 and a weight of 2 kg - this means that if Art. 29(2), gross negligence, is not included in the insurance, the loss is EUR 1,800 per laptop. If, for example, 200 laptops were loaded, this is a loss of 360,000 euros that the carrier has to pay for himself in the absence of insurance cover.

In the insurance policy recommended by LUTZ ASSEKRUANZ, the gross negligence of ordinary employees, such as the driver, is also insured up to 1.2 million per claim.

Such claims can threaten the existence of many companies, especially if gross negligence is not covered or if there is a sub-limit for valuable goods in the insurance conditions!

Another important point is the basic settlement of the claim. In Bulgaria, we have found that many transport companies are overburdened with the handling of claims (both in terms of time and know-how) and are downright let down by their insurance intermediary or insurer, or they pass on a lot of research and paperwork as well as responsibility to the insured, i.e. the carrier - wrong decisions can cost a lot of money, not everyone is familiar with the complex matter of transport law - there are specialists like Lutz Assekuranz for this.

Lutz Assekuranz proactively takes care of all claims covered by your policy "from A to Z" - i.e. from the submission of the documents to the final insurance payment. This is a significant difference to ordinary brokers who do not specialize in transport, who regularly cannot do more than act as a "letter carrier"!

Our promise includes:

• We make contact with all parties involved - that is claimants, goods owners, experts, witnesses, authorities, insurers, etc. - In this way, we ensure that all documents / statements relevant to the decision are available quickly and in full.
• If we need documents from you and they are not received promptly, we will remind you!
• We will keep you informed about the status of the case and coordinate important steps with you.
• Most of our claims staff have a background in freight forwarding and law and are therefore ideally suited to correctly assess complex cases in a timely manner.
• Lutz Assekuranz customers save on personnel costs as they do not have to employ additional staff to handle claims.
• Furthermore, they do not need their own expertise in the area of CMR claims - you automatically build up CMR knowledge in the cases we handle if you want to be involved in the correspondence with the parties involved.

Lutz Assekuranz sees itself as your outsourced insurance department!

We offer you relief and support so that you have your hands free again for your core business, namely the organization / execution of transports. As I said, the difference to many other providers is, on the one hand, the assumption of all relevant steps of claims settlement in the event of liability, but just as important: the defense against unjustified claims for damages made against the policyholder or insured. Sometimes the defense against unjustified claims requires that the same - e.g. in the event of a lawsuit by the client or in the context of a freight payment claim in the event of unlawful withholding of freight - is defended in court, i.e. the judge issues a ruling that the carrier is not actually liable.

LUTZ ASSEKURANZ organizes and finances the court proceedings in these cases from the funds of the insurance policy and, thanks to our almost 50 years of experience on the international market and our knowledge of various precedents in the respective countries, we know where it makes sense to initiate proceedings or offer settlements. With this additional service, our partners can really save money, because this experience in defense is a very important content of a CMR insurance in our understanding.

Does your current insurer/broker also offer this?

In addition to our CMR solution, we also offer CASCO and CARGO so that our customers receive a complete package and can feel safe. Transport insurance is a sensitive topic that has a lot to do with trust and partnership. We have already successfully proven this in various countries and now see that Bulgaria is also open to our approach. Contact us and convince yourself of our intensive support and our unique scope of insurance.