Questions about liability insurance

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There are many questions about liability insurance

A liability insurance is very cheap with about 50 – 100 euro (depending on the service and provider) and very helpful, if you yourself or someone in the family unintentionally damages an objects that belongs to someone else (see also “The private liability insurance”).
Frau Roller from the „Verbraucherschutzzentrale Baden-Württemberg” answered some of our questions:

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Thausend euro damage to pay from the basic income?

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How should this work, wonders family A.

Their son, the ten-year-old Mohammad (name changed), rode with his bicycle in the parking lot in front of the accommodation. When he wanted to avoid a coming car, he did not watch out for a moment and it had already happened. He sideswiped a parking car, causing a bump and a deep long scratch. The owner of the car inquired what it would cost to repair the damage: 1000 euros. The parents of Mohammad were shocked.

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Liability insurance

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Liability insurance also covers extensive damages

Liability means that you have to pay for a damage that you cause. If you have a liability insurance, this is not the case. The liability insurance pays for the damage. But only if you broke something accidentally and not intentionally.

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