Insurance claim · third-party loss · out-of-court handling
A claim. Many parties. One contact.
Even if you are not already insured through us, we may support your out-of-court claim handling under a separate advisory assignment, particularly for third-party motor liability claims.
Out of courtNo court representation
IndependentActing for the injured party
DocumentedEvidence, claims and deadlines
TransparentScope and fee agreed first
Our service
We structure the claim.
A claim may involve injured parties, insurers, experts, repairers, tradespeople and other professionals. We bring information and workflows together.
Initial review and assignment
We review documents, responsibility, insurance contracts, correspondence and known deadlines. The out-of-court assignment is then clearly agreed.
Inspection and evidence
Where possible we coordinate joint inspections and help ensure that photographs, invoices, estimates, witness statements and other evidence are preserved.
Prepare the claim schedule
We identify individual loss items, link supporting documents and structure the out-of-court claim.
Coordinate communication
We support communication with the liability insurer, experts, repairers and other professionals and address contradictions early.
Compare valuations
Expert reports, estimates and invoices are checked for understandable differences and open issues are queried objectively.
Support through settlement
We follow questions, partial payments and statements until the out-of-court process is completed and explain what remains open.
Focus
Third-party motor liability claims.
Under Austrian law the injured third party can generally assert the compensation claim, within the relevant insurance contract, directly against the liability insurer.
| Area | What is reviewed and prepared |
|---|---|
| Accident facts | Sketch, photographs, witnesses, police information, opposing statements and chronology |
| Vehicle damage | Repair route, total-loss valuation, replacement, residual value, towing and storage where relevant |
| Additional property | Damaged clothing, helmet, luggage or other carried items |
| Personal injury | Medical records, recovery, expenses and other potential items; a lawyer is required for legal or court representation |
| Communication | Claim letters, questions, reports, settlement proposals and statements |
Clear boundary: We provide out-of-court support only. If litigation, formal legal representation or legal advice is required, we recommend instructing a lawyer.
Process
Five transparent steps.
To avoid false expectations, the assignment, fee, documents and responsibilities are recorded in writing before work begins.
Describe the case
Brief overview, insurer, date, type of loss and current status.
Review documents
Policies, notifications, photographs, reports, invoices and correspondence.
Agree the assignment
Scope, authority, fee and out-of-court limit.
Support handling
Inspection, claim schedule, communication, evidence and questions.
Explain the outcome
Review statements, show open issues and clarify next steps.
Supreme Court & expertise
All Supreme Court decisionsDirect claims, liability and loss amount need careful analysis.
Direct claim against the liability insurer
The direct claim under section 26 KHVG is described as a statutory joining of debt. Within the statutory framework, the injured party may assert the claim directly against the motor liability insurer.
Open decision in RIS →Claim against tortfeasor and insurer
The direct claim is an additional statutory claim against the liability insurer. The legal basis, scope and evidence still need to be prepared for the individual case.
Open decision in RIS →The underlying damages claim remains decisive
Even when the insurer is approached directly, the underlying damages claim remains the legal basis. Liability and the amount of loss must therefore be documented carefully.
Open decision in RIS →Insurance broker & adviser
Insurance broker & advice explainedClaims support is part of broader insurance advice.
As an insurance broker and insurance adviser, we support clients beyond policy placement. The specialist portal explains the role in coverage questions, policy checks and out-of-court claims support.
Our team
Meet the teamClaims handling needs expertise and organisation.
Herbert Helm MBA
Insurance broker & adviser in insurance matters
Damages law · coverage analysis · technical and insurance practice
Gerhard Kofler
External expert
Additional expertise for complex liability, property and accident questions
Sylvia Laslo
Back office, policy administration and customer service
Organisation, documentation and ongoing communication
FAQ
All questionsImportant before engagement.
Do I need to be an existing client?
No. Claim support can be agreed as a separate advisory service in insurance matters.
Is the service free?
For non-clients and stand-alone advice, the fee is agreed transparently before work starts.
Do you represent me in court?
No. The service is limited to out-of-court advice and negotiation. A lawyer is required for court proceedings.
Can you guarantee a specific payment?
No. The result and timing depend on liability, contract, evidence, amount of loss, cooperation and applicable law.
