What to do in case of ski travel accident

Basically, there are three cases:

1. You cause an accident and both you, as well as a third party is injured by your fault.
2. A third party causing an accident, you are injured.
3. You are hurt as a result of your own fault and no one else is injured.

The first thing is clear: The health of the victims, which took part in the accident, is most important. You can all argue about a fault when the accident opponent actually a fault hits. Beautiful it is, of course, if you have personal liability insurance.

It is important that the insurance is valid abroad. Please make sure that the foreign coverage, not only in European countries, but also and especially in the U.S. and Canada is very important because there are claims for damages are much higher. Personal injury will have a much greater significance, the courts also speak faster high damages, including pain, too. Without insurance you are virtually facing bankruptcy.

Your personal liability insurance not only checks whether you have caused the damage and then compensated, but the insurer refuses such claims for damages which are not justified, because you are not at fault.

A personal liability insurance will cost between € 50 and € 100 per year. Please do not save it.

The first case, of course, the constellation includes damage caused to your body properly. The damage to the equipment are only covered by a Ski breaking insurance.

Medical expenses and medical services abroad are about your health insurance cover in the event that a mutual agreement between your country and another. However, it is recommended that you do not need to leave for your holiday abroad insurance. The cost per day between € 0.50 and € 1.00.

Those who have private health insurance, please just have to check that insurance cover is also abroad. We will not tire to point out that you have a specific cost risk in the USA / Canada. Before you are admitted to hospital, ask for your credit card, before moving nobody even one finger!

Another may be the result of a skiing accident as an accident. e.g. Disability or even death.

For those who do not have accident insurance, we recommend also the conclusion based on one years contract, you will have all sorts of other activities that contribute to an accident, such as slipping on the ice, insured.

If the accident with you a long convalescence, it must, in particular the self-employed and freelancers to ensure that the loss is covered, usually to do it on a per diem sickness insurance.

In the worst case threatens in consequence of a skiing accident the disability, here are especially the freelancers and the self-addressed, independently sufficient insurance coverage for them. At least you should get a travel accident insurance.