Exemption is not enough: further judgments have been added and text module 643 has been updated

<h1>VGH Insurer's Claim Payment Strategy Under Fire: German Courts Push Back</h1>

<p><b>Hamburg, Germany – January 1, 2026</b> – A growing wave of legal judgments is challenging the tactics of VGH Versicherungs-Gruppe, a major German insurer, regarding claim payments for expert assessments.  The core of the dispute centers around VGH’s attempt to reframe legitimate claims for payment as merely a right to indemnification *from* the injured party – a move courts are increasingly rejecting. This is <b>breaking news</b> with significant implications for anyone navigating insurance claims in Germany, and a potential bellwether for insurance practices elsewhere.  This article provides the latest updates and explains what you need to know.</p>

<h2>Recent Court Rulings Challenge VGH's Approach</h2>

<p>Two recent judgments, delivered by AG Buxtehude (Ref. 31 C 298/25, access no. 251969) and AG Einbeck (Judgment of December 16, 2025, Ref. 2 C 222/25, access no. 251970), directly contradict VGH’s strategy. Lawyer Gunnar Stark of HSP, Hamburg/Stade, brought the Buxtehude case to light. The court in Buxtehude specifically ruled that VGH’s offer of pre-trial release from the expert’s claims was insufficient.  The court affirmed the plaintiff’s right to direct payment to the expert, contingent upon the assignment of any potential recourse claims.  Essentially, VGH can seek reimbursement later, but must pay the expert *now*.</p>

<p>Similarly, AG Einbeck dismissed VGH’s argument that no payment claim existed due to a prior declaration of exemption. Lawyer Lars Kasulke of JurCar, Hanover, represented the plaintiff in this case. The court explicitly stated it did not share the insurer’s opinion, reinforcing the principle of direct payment for legitimate expert assessments.</p>

<h2>Understanding the Dispute: Payment vs. Indemnification</h2>

<p>The difference between “payment” and “indemnification” is crucial. A claim for <i>payment</i> means the insurer directly covers the cost of the expert assessment.  A right to <i>indemnification</i>, on the other hand, means the insurer only covers the cost if the claimant successfully recovers those costs from another party (often the at-fault party in an accident). VGH’s strategy effectively shifts the financial risk onto the claimant, forcing them to front the costs and pursue recovery themselves – a potentially lengthy and uncertain process.  This tactic is now facing increasing scrutiny.</p>

<h2>Why This Matters: A Deeper Dive into Insurance Claim Dynamics</h2>

<p>Insurance claims, even seemingly straightforward ones, can quickly become complex.  Expert assessments are often vital in establishing liability and quantifying damages, particularly in cases involving personal injury or property damage.  When insurers attempt to delay or obstruct payment for these assessments, it creates significant hardship for claimants.  It’s a classic David-versus-Goliath scenario, and these court rulings represent a win for consumer rights.</p>

<p>Historically, insurers have often relied on their superior resources and legal expertise to wear down claimants. However, the increasing number of judgments like these suggest a shift in the legal landscape. Courts are demonstrating a willingness to protect claimants from unfair practices and uphold the principle of prompt and fair claim settlement.  This trend is particularly relevant in the context of <a href="https://developers.google.com/search/docs/appearance/structured-data/article">Google News SEO</a>, as it highlights a developing legal story impacting a broad audience.</p>

<h2>What Should Claimants Do?</h2>

<p>If you are involved in a dispute with VGH or any other insurer regarding payment for expert assessments, it’s crucial to:</p>
<ul>
    <li><b>Document everything:</b> Keep detailed records of all communication, invoices, and legal documents.</li>
    <li><b>Seek legal advice:</b> Consult with a lawyer specializing in insurance law.</li>
    <li><b>Be persistent:</b> Don’t be afraid to challenge the insurer’s position and pursue your rights through the courts if necessary.</li>
</ul>

<p>These recent rulings signal a growing legal precedent that favors claimants.  Staying informed and proactively protecting your rights is more important than ever.  The implications of these cases extend beyond VGH, potentially influencing how other insurers approach claim payments in the future.  Archyde.com will continue to monitor this developing story and provide updates as they become available, offering insightful analysis and practical guidance to help you navigate the complexities of the insurance world.</p>

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