Dienstag, 11. Mai 2010

Geheimes Urteil!

Als ich heute morgen den Videotext las, stieß ich unter der Überschrift "Geheimes Urteil: Geld zurück!" auf folgendes verlockende Angebot:

"Ein neues höchstrichterliches Urteil lehrt Versicherungen das Fürchten. Wegen eines Formfehlers in den Verträgen können sich Kunden jetzt mehrere Tausend Euro sichern - auch viele Jahre rückwirkend. ... Fordern Sie noch heute ihr Geld zurück... Alle Infos unter 0900 **** *** ***.

Man könnte jetzt gesellschaftswissenschaftliche Studien hieran anschließen, und so z. B. geißeln,
  • dass hier so genannte "Verbraucher" auf das Übelste abgezockt werden sollen,
  • dass der gesamte Duktus dem Leser offenbar den Eindruck vermitteln soll, er wäre ein armer wehrloser David, der dem bösen Versicherungs-Goliath nur trotzen könnte, wenn er diesem Anbieter eine Schleuder abkaufte.
  • Noch dazu eine Schleuder, die es anderswo umsonst gibt.
Das ist Marktwirtschaft auf der untersten sozialen Stufe. Ich möchte mich daher gar nicht länger damit aufhalten, sondern stattdessen auf einige Feinheiten hinweisen, die dem oberflächlichen Leser vielleicht entgangen sein könnten:

1. Die, denen hier angeblich das Fürchten gelehrt wird, heißen nicht Versicherungen, sondern Versicherer.
2. Versicherungen hingegen sind diese Verträge, die - mit Ausnahme der Textform, § 3 VVG, formfrei sind und deshalb kaum jemals einen Formfehler enthalten dürften.
3. Urteile sind dank der Errungenschaft des demokratischen Rechtsstaates grundsätzlich öffentlich und niemals geheim.
4. Lediglich der Anbieter möchte uns an seinem vorgeblichen Geheimwissen nicht teilhaben lassen, weil er es lieber so teuer als möglich an irgendwelche Deppen - sorry, Verbraucher - verscheuern möchte.

Und morgen kommt bestimmt wieder so ein Verbraucher in meine Kanzlei und verlangt von mir, dass ich ihm all sein Geld der vergangenen fünfzehn Jahre von seinen Versicherern zurückhole, denn das gäbe es doch dieses Urteil, dass müsse ich doch kennen, schließlich sei ich doch Anwalt.

Danke, SAT1!



69 Kommentare:

  1. P.S.: Mit der Schleuder, die es anderswo umsonst gibt, meine ich übrigens nicht anwaltliche Beratung - die ist ja bekanntlich nie umsonst - sondern dass Urteile grundsätzlich öffentlich zugänglich sind.

    AntwortenLöschen
  2. Mehr dazu z.B. hier

    http://www.pkv-gutachter.de/themen/Lebensversicherung.html

    AntwortenLöschen
  3. Mit "Formfehler" ist hier wohl nicht die Nichtigkeit wegen Formmangels im Sinne von § 125 BGB gemeint. Umgangssprache /= Juristensprache. Außerdem ist nach dem Sinnzusammenhang mit "geheim" nicht gemeint, dass das Urteil nicht öffentlich verkündet worden ist, sondern nicht bekannt ist. Solch ein Insider-/Fachwissen verkaufen auch Rechtsanwälte in Form von Rechtskenntnissen.

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  4. Wer sich vom SAT.1-Videotext rechtlich beraten lässt, der trägt auch einen Hut aus Alufolie auf dem Kopf und glaubt an Erdstrahlen.

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  5. @met@box:
    Schlau schlau! Das ist ja alles nicht ganz falsch, was Sie da schreiben, gleichwohl habe ich noch zwei Anmerkungen:

    1.
    Wenn die was anderes meinen als sie schreiben, warum schreiben sie dann nicht, was sie meinen? Das hat mit Umgangs-/Juristensprache rein gar nichts zu tun. Etwas Falsches wird auch umgangssprachlich kaum richtig verstanden werden.

    2.
    Rechtsanwälte sind die mit am längsten ausgebildeten Akademiker überhaupt, haften für alles was sie (oder gar Dritte) falsch machen und unterliegen extrem strengen berufsrechtlichen Regeln.

    Das unterscheidet sie meiner Ansicht nach doch recht deutlich vom Videotext auf SAT 1, oder?

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