Ludolph E
Institut für Arztliche Begutachtung, Brunnenstrasse 8, 40223 Düsseldorf.
Orthopade. 2001 Feb;30(2):93-9. doi: 10.1007/s001320050580.
Public and private accident insurance companies have in common that the insurance risk is the damage to health caused by trauma. Otherwise, they are fundamentally different. Public accident insurance as part of social law has the function of providing compensation for damage. Functional impairment due to trauma is compensated abstractly according to the general labor market. Private accident insurance as part of civil law is an insurance of fixed sums anchored in the agreement. It is completely unrelated to the consequences of trauma-induced limitation of function.
公共和私人事故保险公司的共同之处在于，保险风险是由创伤导致的健康损害。否则，它们在根本上是不同的。作为社会法一部分的公共事故保险具有损害赔偿功能。因创伤导致的功能障碍根据一般劳动力市场进行抽象赔偿。作为民法一部分的私人事故保险是基于协议的定额保险。它与创伤引起的功能受限后果完全无关。
