Deciding vote

Insurance is not rocket science. We explain everything you need to know about the deciding vote (Stichentscheid) in this glossary article.

What is a deciding vote (Stichentscheid)?

If your insurer refuses to give you a cover note for your case, you can get a decision based on a deciding vote (Stichentscheid).

For this, your lawyer submits a statement to your insurer in which he answers the following questions:

  1. Is there a reasonable chance of success?
  2. Is the pursuit of your legal interests proportionate to the success you are seeking?

The lawyer's decision is binding for both parties.

Who pays for a deciding vote?

The insurance company pays for the costs of the procedure.

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