|
Important changes
-
The deadline for filing 2024 tax returns is 31 July 2025. If you haven't filed the tax return yet, do it now. You have three options to file the tax return.
- File it yourself using tax software. (Cheapest option) - Check24, SteuerGo*, WisoSteuer* (German).
- Get Lohsteuerhilfeverein membership and let a tax advisor file your tax return (the most affordable way to hire a tax advisor). We have collaborated with a tax advisor of a Lohnsteuerhilfeverein. You can request a quote here.
- Hire a business tax advisor to file the tax return. (Most expensive)
- German economic expert Martin Werding warns that social security contributions could rise to 50% of gross income. Social contributions, which include health, pension, nursing care, and unemployment insurance, currently cost ~42 % of gross income. It can increase to around 50 % by 2030–35 without major reforms. [1]
|
|
|
Car Accident Abroad? Here's What to Do
Car accidents abroad can be stressful and confusing. Follow this step-by-step guide to protect yourself and handle the situation correctly.
1. Secure the accident scene
- Turn on your hazard lights immediately
- Put on your orange safety vest
- Place your warning triangle behind your vehicle
- Provide first aid if anyone is injured
2. Emergency Contact Protocol
- Always call the police if people are injured. Use the European emergency number: 112. This is valid all over Europe. If you are in the USA, dial 911.
- You should also call the police in the event of property damage. Some countries don't send police for minor property damage
3. Document Everything
- Take photos and videos of the accident scene from multiple angles.
- Capture all vehicle license plates clearly.
- Document visible damage to all vehicles.
- Record the exact location and road conditions.
4. Exchange Information
Exchange the following information with the other driver.
- Names, addresses, and phone numbers
- Insurance company details and policy numbers
- Vehicle license plate numbers
You can find all this information on your Green Card (international insurance certificate). You can obtain this certificate for free from your car insurance provider.
If you don't have the international insurance certificate, request one from your insurance company before you travel.
The International Insurance Card is proof of your motor vehicle liability insurance. This is particularly important when traveling to other countries or in the event of a traffic accident abroad.
5. Complete the European Accident Report
Fill out the accident report together with the other driver. Keep a printed copy of the European accident report in your car's glove box.
You can download the European accident report here.
6. Contact Your Insurance Company
Notify your car insurance company immediately, regardless of who's at fault. Your insurer will handle justified and unjustified claims against you.
If you're the victim, contact the at-fault driver's insurance company. Discuss next steps for damage settlement and arrange vehicle repair procedures.
NOTE: Keep all the documentation for your records.
7. Rental Car
If you're driving a rental car, notify the rental company immediately. Follow their specific accident procedures and keep all documentation for rental company records.
NOTE: You must never admit fault at the scene.
Prepare Before Your Travel
- Keep your Green Card and insurance documents (including car insurance and travel insurance) readily accessible.
- Get travel insurance for your family if you don't already have one. Travel insurance covers the medical expenses incurred outside Germany. In our research, we found Barmenia* and Münchener Verein* to be the best international travel health insurance providers in Germany for short trips (up to 56 days).
- Print out the European Accident Report. You can download it here.
- Obtain a road assistance membership from ADAC or a similar provider.
|
|
|
Personal Finance
- Free trading accounts: Scalable Capital*, Finanzen.net Zero*, Smartbroker+*
- Free Checking account: C24* (German), N26*
- Fixed account for 12 months (Festgeld): Up to 2.53% interest. Check offers from different providers here*.
- Tagesgeld account for 3 months: Up to 2.8% interest. Check offers from different providers here*
- Tax Software: SteuerGo*, WisoSteuer* (German), Check24 (German)
|
|
|
Too Hot? When you can reduce your rent
Summer heat in rental apartments can create legal situations requiring careful evaluation of tenant rights and landlord obligations under German tenancy law.
Legal Framework and Temperature Standards
The German court established that indoor temperatures should be at least six degrees Celsius below outdoor temperatures. If this is not the case, you may be eligible to reduce your rent.
Key Legal Precedents:
- Higher Regional Court of Hamm: Case 30 U 131/06
- Higher Regional Court of Rostock: Case 3 U 83/98
- Hamburg District Court: 20% rent reduction for inadequate thermal insulation
Exceptions to the above rule
Suppose your attic apartment has large windows and no air conditioning. In this case, the court assumes that you (the tenant) must be aware that the rooms will heat up quickly in the summer.
Thus, you are not entitled to a rent reduction (Higher Regional Court of Frankfurt, case number 2 U 106/06).
How to approach the situation?
1. Talk to your landlord
- Explain the problem clearly and ask if they can help.
- Set a deadline for your landlord and give them enough time to fix the issue.
2. Get expert support
Suppose nothing changes and the temperature stays too high. You should get support from the tenants' association or a lawyer.
If you have tenant legal insurance, your insurer will cover the legal costs.
In our comparison and test, we found the legal insurance plans of Arag*, KS-Auxilia*, and WVG to be the best.
|
|
|
A Request 🙏
Reviews mean everything for online platforms, and GermanPedia is no different.
You can help us compete in Google search by leaving reviews on Google. These really (yes, really) help and are a vital part of Google's discovery and recommendation algorithms.
So, if you find what we are doing helpful, please leave a simple star rating or a short review on Google. This will help more users discover GermanPedia.
|
|
|
Latest News
- The German Bundestag postponed the vote on three Constitutional Court judge appointments due to controversy over SPD nominee Frauke Brosius-Gersdorf. The CDU/CSU cites suspicions of plagiarism for delaying the vote. [1, 2]
- Poland and Germany have reintroduced temporary border checks. The reason for the border checks is irregular migration. The border checks have disrupted the daily life of regions near the border by slowing commutes and hindering trade. [3]
- Debate and insults in the Bundestag debate. Chancellor Friedrich Merz defended his government's tightened migration policies and foreign policy stance. He faced sharp criticism and personal insults from the AfD's Alice Weidel, who called him a "lying chancellor." Bundestag President Julia Klöckner called for a more respectful tone. [4]
|
|
|
Community Shoutouts! 📣
Whether it's a must-visit place, a life hack, or an inspiring story, we’d love to hear from you.
|
|
|
New and recently updated guides
|
|
|
Your Feedback Matters 👍
| Was this a helpful newsletter? |
|
|
|
If you like what we do, rate us on Google
|
|
|
Tools
Health insurance
Rental
Courses
Calculators
Others
|
|
|
|
|
Quick Links
Ask an expert
Important types of insurance you should have in Germany
Personal Finance
-
Free trading accounts
-
Tax Software
-
Free Checking account
NOTE: Investing involves the risk of loss Fixed account for 12 months (Festgeld)
- Up to 2.7% interest.
- Check offers from different providers here*.
Tagesgeld account for 3 months
- Up to 2.8% interest.
- Check offers from different providers here*.
Personal loan
|
|
|
|
|
Disclaimer
The information provided here is based on our own experience and in-depth research. The content might be inaccurate. It should not be considered financial, insurance, tax, legal, or any kind of advice.
We are not certified brokers or consultants. Always do your research and contact certified professionals before making any decision. GermanPedia disclaims any and all liability for damages or losses arising from the use of this document.
We finance our extensive work via affiliate links. Thus, some or all of the links in the post might be affiliate links.
We get money if you click on such a link or conclude a contract with the provider without costing you a cent extra.
Investment involves risk of losing money.
All links marked with the "*" are affiliate links.
|
|
Niebergallstr 20, Berlin, Berlin 12557
Unsubscribe · Preferences
|
|
|
