Liability for damage caused by a crane: What now?

Questioner

My partner tore a cable with a crane. It was on private property. We are private individuals. How is this regulated in terms of liability? Which insurance should I use for this?

Lawyer

If you have liability insurance, you can report this there.

Questioner

Damage caused by a motor vehicle that you drive or use is not covered by the liability insurance according to the terms and conditions. The crucial thing is whether a crane falls under the description 'motor vehicle'. I fear that this is the case when I look at the description: 'all vehicles that are propelled by means of mechanical or electrical power'. What do you think?

Lawyer

I share your view that the liability insurance may indicate that this is not covered by the insurance. By the way, I wonder what happened because you indicate that your partner, as a private individual, pulled a pipe with a crane on private property. If your husband operated the crane as a favor to a friend, without receiving any compensation for it, then there is a chance that he cannot be held liable for the damage.