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Way accident in Germany insured accidents on the direct way are usually called between dwelling and working premises (the so-called place of the insured activity). After social legislation VII."§ 8. (2) only the place of the insured activity is certain as a fixed point for the insured way. Of where from and after which place the way leads, is in the law left open, so that as output or terminator point also any place is applicable (so-called third place). A way of and/or to this third place is however accident-insured only if this is visited from operational considerations (on the way from the insured activity to the third place) or the way from the third place to the place of the insured activity from operational considerations taken up is.
The way accident is a term from the legal accident insurance. Insurance protection exists if necessary with the responsible accident insurance carrier for example a professional association. The way accident is in accordance with SGB VII."§8. (2) the industrial accident on an equal footing.
For the insurance protection it is crucial that the hurt one selects the direct way. It means directly in this connection that the hurt one is free in its decision, whether he selects that temporally or the geographically shortest way. Since it is recognized by the iurisdiction that the hurt one had the choice, which way it selects, unimportant it in principle, which reasons the hurt one selected the way, on which it is verunfallt. Economic or temporal reasons can be, even personal preferences play here no role. A way of or to the place of the insured activity is uninsured then only if its choice can e.g. be explained only with self-economical - thus purely private - reasons to use (in order on the way the possibility from purchases to or visit a cheap gas station).
Who suffers many hours on the direct way of or to the place of the insured activity, but after end of work an accident, does not stand in principle any longer under insurance protection. After the iurisdiction a way interruption of more than two hours lets the insurance protection for the remainder way be void completely. Also the sum of the periods may not exceed the two-hour border with several interruptions. During a shorter way interruption the insurance protection lives however with resumption of the way of or to the place of the insured activity.
Additionally expressly detours specified are insured, so for example fetching from participants in a driving community or the transport from children to a or a daily nut/mother in the law.
See also: Detour, Abweg
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