The cross-country skier from the Rhineland must have imagined it differently. During a holiday in the Dolomites at the beginning of March 2020, he fell with his cross-country skis on a heavily iced trail and injured his back. So difficult that he couldn’t continue the journey, he says.
To make matters worse, the Münchner Versicherung did not want to pay for the lost holiday fun. The lawyer from Bonn sued for payment of 1685 euros.
The case also has a pandemic aspect. Because the Foreign Office had meanwhile issued a travel warning for South Tyrol. During a phone call with his family doctor after the accident, he advised him not to go to the doctor in South Tyrol. To keep the risk of infection small.
The plaintiff travels home one day after the accident
Instead, he advised him to use strong pain relievers like Ibuprofen 800 and a return to Germany to go into quarantine. With a severe bruise or simple fracture, the pain would decrease over time, the doctor said on the phone. If not, he could go to a clinic in Germany.
The plaintiff broke off the vacation and traveled back home one day after the accident. The further treatment in Germany was then carried out by phone, he explains. The pain would then have steadily decreased within two weeks.
Insurance denies the disease
The Bonn man now thinks Among other things, he would be entitled to unused partial benefits of the first week of vacation of 835 euros from the travel cancellation insurance as well as the down payment of 850 euros for the South Tyrolean hotel in the second week.
The insurance denies the illness. The fact that a doctor who was only interviewed by telephone did not rule out a pelvic fracture and at the same time recommended the return trip is unbelievable. In addition: Anyone who can drive 800 kilometers back to Bonn after an accident can continue their vacation.
The magistrate agrees with this view: There was no doctor’s visit either in South Tyrol or after returning to Germany, so that the type of illness and its consequences cannot be assessed. Despite Corona, the Bonn native could have seen a doctor in South Tyrol.
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