Haftpflichtversicherung: liability and cover
Iranian nationals in Germany can be liable for damage caused to other people, including through negligence. A liability policy addresses covered third-party claims; check the people, risks, limits and exclusions in the actual contract.
Step by step
- Read the coverage termsAsk the insurer to explain insured people, risks, limits, exclusions and claim reporting before signing.
German civil law can require compensation where you unlawfully injure another person or damage their property intentionally or negligently. The consequence depends on the circumstances; the fact that an incident was accidental does not by itself remove liability.
Liability insurance deals with covered claims against you and defends unjustified claims. It is not a promise to replace everything you own or pay every demand. Deliberately and unlawfully causing the other person's damage is excluded by law. Before choosing a policy, ask which household members and situations it covers and how to report a claim.
