A Real exali Damage Event Drone Crashes over a Car Dealership
Video recordings with drones are often part of modern commercials nowadays. However, what happens when the drone crashes during a shoot and damages someone else’s property in the process? This is exactly what happened to a media agency in this real exali damage event.
Video Shoot with Mishaps: What Happened?
A media agency was commissioned to shoot a commercial at a location right next to a car dealership. A drone was also used to get some great shots during the shoot, and it was precisely this that caused trouble, because it crashed - right above the car dealership. As it is well known, accidents come in pairs and so the drone "landed" precisely on a new car on display outside and damaged it. More bad luck for the media agency: The new car had just been prepared for export to Scandinavia. Therefore, time was short.
Urgent Processing of the Damage Event
The media agency reported the damage to exali on the same day it happened around 11 a.m. - with a request for quick processing because of the pending export of the damaged car. Since the car was planned for export to Scandinavia in a few days, a long processing time would have resulted in financial damage due to a delayed delivery in addition to the costs of repairing the property damage. Therefore, the responsible customer advisor at exali forwarded the damage report to the insurer immediately after the first check, with a request for prompt processing.
The insurer responded right away and asked the car dealership for a cost estimate. It arrived at 3 p.m., and just under an hour and a half later, it was approved by the insurer. The car could be repaired in time and exported as planned. Luck of the draw. Because without Indemnity Insurance for Media Professions from exali, the agency would have had to cover the damage on its own and paid costs of over 2.000 euros.
Flying a Drone Without a Drone License Jeopardises your Insurance Coverage!
Watch out for this obstacle: The new EU drone regulation has been in force since 01 January 2021. It states that an EU drone driver’s license is required for all drones that weigh more than 250 grammes. The fine for using a drone without an EU drone license can amount to up to 50.000 euros.
There is more than just a hefty fine. Anyone who uses a drone commercially without a drone license is putting their insurance coverage at risk. Because the insurer can refuse to pay if laws or regulations are not observed, such as when driving or flying without a license. To avoid a “crash landing”, it is important for private as well as commercial use that you understand the laws in advance.
Stay on the Safe Side with Professional Indemnity Insurance from exali
As this damage event shows, problems can always occur: Regardless of whether a drone crashes during a film shoot or a borrowed camera falls over and is damaged. Fines for infringement of copyright, trademark law or personal rights are also some further risks in the creative industry. These affect media agencies, but also the self-employed and freelancers who work, for example, in the fields of film, graphic design, text or online marketing. Paying for such property damage or financial loss can quickly threaten the financial existence of smaller agencies or the self-employed.
exali.com's Professional Indemnity Insurance for Digital Professions is tailored precisely to the needs of the media industry and provides you with comprehensive protection against claims for damages due to slight and gross negligence, as well as warnings for copyright infringements, trademark infringements or personal rights infringements. You can adapt your insurance individually to suit your personal needs.
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