Workplace accident: how to secure your claims
You had an accident at work or on the way there? The statutory accident insurance (Berufsgenossenschaft) is responsible, with special benefits. It is important that the accident is reported correctly and recognized as a workplace accident.
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Objection / recognition →Your chances of getting your money back
What you should do now
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1. Report the accident
Report the accident to your employer; they must notify the Berufsgenossenschaft. See a designated accident doctor promptly.
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2. Document the sequence of events
Record when, where and how the accident happened and name witnesses. This is important for recognition.
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3. Object to a denial
If the Berufsgenossenschaft does not recognize the accident or denies benefits, file an objection on time.
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4. Use advice services
Social associations (VdK, SoVD) and unions provide free support, including in a lawsuit before the social court.
Frequently asked questions
What counts as a workplace accident?
Accidents during the insured activity and on the direct route to/from work (commuting accident). The Berufsgenossenschaft is responsible, not the health insurer. It pays for medical treatment, possibly injury benefit and, in the case of lasting consequences, an accident pension.
What can I do if recognition is denied?
File an objection within one month (§ 84 SGG) and prove the sequence of events and consequences with evidence (D-doctor's report, witnesses). The procedure is free; social associations and unions help.
Take action now
We put together the ready-made texts and the right places to contact for you.
General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.