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Versicherungsfall

English translation: see below

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06:30 Sep 11, 2000
German to English translations [PRO]
Law/Patents - Insurance
German term or phrase: Versicherungsfall
Insurance, continued.
I thought this term meant a claim, but does it have another translation? The translator whose translation I am rereading (very slowly) has put "event insured" which sounds strange to me.
Mary Lalevee
United Kingdom
Local time: 00:04
English translation:see below
Explanation:
Versicherungsfall =

claim - Wörterbuch für alle Sparten der Versicherung – Stocks

claim or event insured or insurance case – Hamblock/Wessels

(occurrence of) event insured against - Romain

insurance case or occurrence of loss (of the event insured against) - Eichborn

All of the above could be correct in some "Fälle" = cases. The problem is sloppy insurance English and sloppy insurance German.

I have taught big international insurance brokers and insurance companies English for over 10 years now and much of our time in class has been spent trying to straighten this out.

If you have collision damage and liability cover for your car and run into another car, you have damaged your property and someone else's property. You have one occurrence of loss with two different types of loss. You might decide to file no claim (Schadensmeldung) at all and pay for everything out of your own pocket to keep your insurance premiums low (no claim bonus) or (if the no claim bonuses are calculated separately for collision and liability) you might decide to file a claim for the more expensive of the two types of loss and pay for the manageable cost loss yourself.

This means the commonly used words "claim" or "Schadensmeldung" (often sloppily referred to as just "Schaden") may or may not be the same as "occurrence of loss" = "Versicherungsfall", depending on your context.

The next problem is with "occurrence of loss" itself. Stocks says this is the "Eintritt des Schadens/Versicherungsfalles". Usually this is acceptable but if no claim is filed it is really only a "Schaden" or "damage/loss" and not an "insurance case" or "Versicherungsfall" at all because the insurance coverage is not affected in any way. The insurer may not even know there was a loss.

Sooooooo, whether to use "claim" or "occurrence of loss" or "insurance case" is not so easy. It depends on your context.

I don't know whether this has helped or made it worse ;-) - Dan
Selected response from:

Dan McCrosky
Local time: 01:04
Grading comment
Thank you for your detailed reply. I have decided to use "event giving rise to a claim" as seeming to fit all circumstances in this particular case.
Mary
4 KudoZ points were awarded for this answer

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Summary of answers provided
nasee belowDan McCrosky
naVersicherungsfallCornelia
nasee belowSabine Cane
naSee belowCami Townsend


  

Answers


8 mins
See below


Explanation:
The Romain dictionary of commercial and legal terms offers: "(occurrence) of event insured against." A claim, of course, would follow such an event, and Oxford-Duden offers "Versicherungsanspruch" as a German equivalent for that. Depending on the type of claim being made and for what reasons, it might be possible to refer to the event as an "accident" if we're talking about car insurance and, in some cases, medical insurance, etc.. "Injury" is another possibility in medical and occupational safety contexts. Sometimes "loss" may be sufficient in terms of property.

Cami Townsend
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8 mins
see below


Explanation:
a Versicherungsfall is the actual 'event covered by insurance'.


    P.Collin Business Dic.
Sabine Cane
Local time: 00:04
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20 mins
Versicherungsfall


Explanation:
event insured or insured event, both are possible and are the best term whatever the context may be. Any other, more specific term (such as accident or injury) would be "dangerous" to use, as it would depend on the exact context.

Cornelia
Local time: 01:04
PRO pts in category: 4
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44 mins
see below


Explanation:
Versicherungsfall =

claim - Wörterbuch für alle Sparten der Versicherung – Stocks

claim or event insured or insurance case – Hamblock/Wessels

(occurrence of) event insured against - Romain

insurance case or occurrence of loss (of the event insured against) - Eichborn

All of the above could be correct in some "Fälle" = cases. The problem is sloppy insurance English and sloppy insurance German.

I have taught big international insurance brokers and insurance companies English for over 10 years now and much of our time in class has been spent trying to straighten this out.

If you have collision damage and liability cover for your car and run into another car, you have damaged your property and someone else's property. You have one occurrence of loss with two different types of loss. You might decide to file no claim (Schadensmeldung) at all and pay for everything out of your own pocket to keep your insurance premiums low (no claim bonus) or (if the no claim bonuses are calculated separately for collision and liability) you might decide to file a claim for the more expensive of the two types of loss and pay for the manageable cost loss yourself.

This means the commonly used words "claim" or "Schadensmeldung" (often sloppily referred to as just "Schaden") may or may not be the same as "occurrence of loss" = "Versicherungsfall", depending on your context.

The next problem is with "occurrence of loss" itself. Stocks says this is the "Eintritt des Schadens/Versicherungsfalles". Usually this is acceptable but if no claim is filed it is really only a "Schaden" or "damage/loss" and not an "insurance case" or "Versicherungsfall" at all because the insurance coverage is not affected in any way. The insurer may not even know there was a loss.

Sooooooo, whether to use "claim" or "occurrence of loss" or "insurance case" is not so easy. It depends on your context.

I don't know whether this has helped or made it worse ;-) - Dan


Dan McCrosky
Local time: 01:04
Native speaker of: Native in EnglishEnglish
PRO pts in category: 8
Grading comment
Thank you for your detailed reply. I have decided to use "event giving rise to a claim" as seeming to fit all circumstances in this particular case.
Mary
Login to enter a peer comment (or grade)




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Changes made by editors
Sep 23, 2009 - Changes made by Kim Metzger:
FieldOther » Law/Patents
Field (specific)(none) » Insurance


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