deckungsanfrage-pruefen

What it does

Provides step-by-step guidance for reviewing insurance claim cases and generating a tailored draft, including factual grounds, applicable norms, evidentiary requirements, and requested relief or remedies. It focuses on responding to coverage denials under VVG, outlining the necessary roles, timelines, and output structure.

How it works

1. Identify the task and required output: a draft with claims, reasoning, and attachments.
2. Verify blocking deadlines and jurisdiction-specific frictions (e.g., “Fristen” and “Widerspruch, Klage” distinctions).
3. Confirm applicable norms to verify: VVG sections such as § 1, § 14, § 19, § 21, § 28, § 31, § 75, § 81; and related BGB sections and regulatory references listed.
4. Determine the parties to address (Mandant, Gegner, Behörde) and collect documents (Verwaltungsakte, Verträge, Bescheide, Gutachten).
5. Provide an output structure: a structured Stellungnahme zur Deckungsablehnung with AVB-Auslegung, a denial handling plan, and Klageeinschaetzung.
6. Use the given Vorstart questions to tailor the path (insurance branch, incident timing, denial grounds, complete AVB, evidence, etc.).
7. Include optional Bausteine for Schriften, Abschlagszahlung, and Grob fahrlässigkeit Abwehr as applicable, with precise wording placeholders for the client-specific data.
8. Ensure the final draft reflects the norm-based framework and preferred strategic option (e.g., direct deckungsklage if appropriate).

When to use it

Use when a client’s insurer has denied or limited coverage under VVG and the attorney wants a defensible, norm-backed draft with arguments, calculations, and attachments.

What it can touch

• Tools: claude-code
• References: AVB texts, § 1 VVG, § 14 VVG, § 19 VVG, § 21 VVG, § 28 VVG, § 31 VVG, § 75 VVG, § 81 VVG, §§ 305–310 BGB, § 204 BGB
• Output types: Stellungnahme zur Deckungsablehnung, Abschlagszahlungsanforderung, Grob fahrlässige Herbeiführung Abwehr

Caveats

• License: Apache-2.0
• Declared scope limited to insurance case assessment and drafting under VVG; does not guarantee success of any legal action; content must be supplied with actual client data and jurisdictional verification.