Lisävahinko

Lisävahinko, which translates to "additional damage" in English, is a term commonly used in the context of insurance and legal matters in Finnish. It refers to the further or consequential damage that occurs as a result of an initial incident or primary damage. This concept is crucial in determining liability and the extent of compensation in various scenarios.

In insurance policies, lisävahinko is often considered when assessing claims. For instance, if a fire (primary damage) causes a building to be uninhabitable, leading to business interruption and loss of income (lisävahinko), the insurance may cover both the direct damage from the fire and the additional financial losses incurred due to the interruption. However, the coverage for lisävahinko depends on the specific terms and conditions of the insurance policy.

In legal contexts, lisävahinko can influence the determination of fault and the calculation of damages awarded. For example, in a personal injury case, the initial harm caused by an accident is the primary damage. Any subsequent losses, such as medical expenses, loss of earnings, or emotional distress, may be considered lisävahinko. The party found liable for the initial incident may also be held responsible for these additional damages.

Understanding lisävahinko is essential for individuals and businesses to ensure adequate insurance coverage and to navigate legal proceedings effectively. It highlights the importance of thorough risk assessment and comprehensive policy terms to mitigate potential financial and legal repercussions.