Materiële schade
Material damage
Material damage is the actual financial loss suffered by the injured party as a result of a tortious act or breach of contract, such as repair costs or lost income.
Pecuniary damage refers to economic losses that can be directly expressed in monetary terms. This includes, among other things, the costs of repairing or replacing damaged property, medical expenses, travel costs, and lost income or profits.
Under Dutch liability law, pecuniary damage must in principle be compensated in full, provided that the causal link between the damaging event and the damage is established. This distinction from non-pecuniary damage is relevant because pecuniary damage is objectively ascertainable and is therefore easier to calculate and prove.
In practice, pecuniary damage is often substantiated by invoices, payslips or expert reports. In cases of personal injury, this may, for example, include the costs of home adaptations or loss of earning capacity.
“The insurer admitted liability and compensated the plaintiff for the material damage to his dwelling after the fire.”
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