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Germany Explained

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Submitted By tamerdoodle
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Deutschland [Bearbeiten]
Die zentrale bundesrechtliche Vorschrift ist das Gesetz über die Beaufsichtigung der Versicherungsunternehmen (Versicherungsaufsichtsgesetz – VAG). Das VAG regelt unter anderem Zulassung, Geschäftsbetrieb, Rechtsformen, Kapitalanlagen und Aufsicht. Zuständige Aufsichtsbehörde ist die Bundesanstalt für Finanzdienstleistungsaufsicht (BAFin), zuständiges Fachministerium ist das Bundesministerium für Finanzen. Entsprechende Gesetze und Behörden gibt es auch in den meisten anderen Staaten.
In Deutschland sind 626 Versicherungsunternehmen und Pensionsfonds zum Geschäftsverkehr zugelassen (Stand Februar 2010)[2].
Europa [Bearbeiten]
Aufgrund europarechtlicher Vorschriften unterliegen Versicherungsunternehmen mit Sitz in einem anderen Mitgliedstaat der Europäischen Gemeinschaft oder Vertragsstaat des Europäischen Wirtschaftsraums, die in einem anderen Mitglieds- oder Vertragsstaat nur durch eine Niederlassung vertreten sind oder das Versicherungsgeschäft im Dienstleistungsverkehr direkt aus dem Ausland betreiben, nur eingeschränkt der nationalen Aufsicht. Versicherungsunternehmen mit Sitz in anderen Ländern dürfen in den Mitglieds- oder Vertragsstaaten Versicherungsgeschäft nur über Niederlassungen vertreiben, die wie Versicherungsunternehmen mit Sitz in dem betreffenden Staat beaufsichtigt werden. Für bestimmte kommerzielle Versicherungszweige gelten Ausnahmen und für reine Rückversicherungen Vereinfachungen.

The minimum coverage defined by Germany law for car liability insurance / third party personal insurance is:
7.5 Million Euro for bodily injury (damage to people), 1 Million Euro for property damage and 50,000 Euro for financial/fortune loss which is in no direct or indirect coherence with bodily injury or property damage. Indeed Insurance Companies usually offer all-in/combined single limit insurances of 50 Million Euro or 100 Million Euro (about 141 Million Dollar) for bodily injury, property damage and other financial/fortune loss (usually with a bodily injury coverage limitation of 8 to 15 Million Euro for EACH bodily injured person).

Die Kaskoversicherung ist dagegen eine freiwillige Versicherung, die die Kosten einer Schadensbeseitigung am eigenen Fahrzeug reguliert, beispielsweise bei eigenverschuldeten Unfällen oder wenn der Schadensverursacher sich nicht ermitteln lässt. Die Höhe der Versicherungsprämie wird durch verschiedene Faktoren beeinflusst, unter anderem vom Fahrzeugtyp, von der Zulassungsregion und von der persönlichen Fahrweise. In der Haftpflicht und bei der Vollkasko können Autofahrer, die besonders lange ohne Unfälle unterwegs sind, den Schadensfreiheitsrabatt in Anspruch nehmen und bis zu 75 Prozent von der Normalprämie einsparen. Allgemein lohnt sich ein Vergleich mehrerer Kfz-Versicherungen, da sich die Preise und Leistungen stark unterscheiden und Einsparungen von mehreren hundert Euro pro Jahr möglich sind.

Article 8
Transport Licence
(1) A transport licence shall entitle the collector and transporter to collect and transport waste within the territory of the Federal Republic of Germany. It shall not be transferable. (2) Restrictions may be imposed on the transport licence, where this is required to protect the public interest, and, especially, to ensure that the prerequisites for its issuance are fulfilled. The collector and transporter shall comply with the imposed restrictions. In particular, the competent authority shall 7 require the applicant to inform it of any changes in circumstances that are significant with respect to fulfilment of the prerequisites for the licence.
(3) Transport licences shall be issued using the form pursuant to Appendix 2 http://www.bmu.de/files/pdfs/allgemein/application/pdf/transport.pdf http://www.bmvbs.de/SharedDocs/DE/Artikel/UI/logistikstandort-deutschland.html

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