As of: February 7, 2024, 4:57 p.m
By: Anni Gebhard
Comments
Press
Split
If the shopping cart crashes into someone else's car, this can quickly cause minor damage, such as scratches in the paint.
But who will ultimately bear the costs of the damage?
If you don't pay attention when loading your shopping into the trunk, the shopping cart will turn on its own.
On sloping parking lots it is not unlikely that there will be a crash.
If another car is damaged, the question quickly arises as to who will pay for the damage.
Does the motor vehicle liability insurance, private liability insurance or ultimately the driver himself cover the costs of the damage?
If you have heavy beverage crates, potato sacks or flour bags, a shopping cart is quite helpful for transporting your shopping.
Sometimes the shopping carts even have certain secret functions to make shopping easier.
After paying, you go back to the parking lot.
One time your hand is not on the handle tightly enough and the heavy car turns on its own and, in the worst case, even collides with a car.
Private liability or motor vehicle liability insurance pays?
The reason for the shopping cart collision is crucial
Who pays for the damage to the car depends entirely on how the shopping cart was able to hit the car in the first place.
The insurer
Allianz
rules as follows: If the driver is loading his car and the shopping cart rolls against another car, motor vehicle liability insurance takes over.
The mishap happened while the car was being loaded.
However, it is also possible that the motor vehicle liability insurance will not cover the damage and the driver will be asked to pay.
At least that's what a court in Munich decided.
According to the judge, motor vehicle liability insurance only has to be liable if damage occurs “while the car is being operated”.
In the end, the driver had to be held liable: He should have ensured that the shopping cart did not roll away when it was being loaded, according to the judge.
So it depends on the case by case.
Shopping cart hits another car on the way to the car: private liability insurance pays
If the shopping cart rolls into a car while it is being pushed to the car, private liability insurance will pay, as this can also happen to those who are just pushing the shopping cart to the bike.
At least that's the case at
Allianz
.
Damage caused with the shopping cart: A crime is committed here
Suppose it happened: your own shopping cart crashed into someone else's car and caused damage.
What is now considered an absolute no-go is to ignore the damage and go home.
In this case, that would be a criminal hit-and-run.
My news
“A wave is building up”: Auto Pope Dudenhöffer with bitter forecast for electric cars
Bakery sells them for 2.30 euros: “Brother, what kind of butter pretzel is that?” read
Deductions for early retirement increase every year: This is how much you will have left in 2024 after deductions
ZDF tests meat sausage: Inexpensive discounter product delights experts
Recall at Rewe and Kaufland: Salmonella discovered in dessert read
Google Maps is discontinuing its functionality – this is bittersweet, especially for drivers
Instead, you should wait for the owner of the damaged car; if necessary, the police can also be called to investigate the accident.
Addresses and insurance details should then be exchanged with the injured party.
The person responsible should then report the incident to their insurance company.