Liability insurance: legal principles

Provides essential protection in the event of damage liability insurance. It protects one's assets in a damages claim.

Another one who causes harm is also responsible for restitution. It provides for the civil code. The provisions in the text of the law are one of the bases for liability insurance. It differs from the liability into three categories: fault-based liability, the liability of suspected negligence and strict liability.

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For all three types of liability insurance provides protection in case of damage. A Damage Done takes usually a damages claim for money or pain and without insurance, the financial existence of the tortfeasor be ruined. But still waived around a quarter of Germans on the protection of liability insurance.

The fault liability requires fault. This in turn results in the obligation to pay damages. However, the claimant must bear the burden of proof. This may be the case if, for example, a sofa is disfigured with a red wine stain and can no longer clean. Here, the claimant must prove only - also against the insurance - that an external fault.

When the suspected fault liability, the matter is somewhat easier for the injured. The burden of proof that is not at fault, then the tortfeasor. However, it is possible to relieve the debt question. Especially for tort damages caused by incompetent child has a special meaning. For if in the event of damage, such as when a five year old child has scratched a car door, the mother or the father to prove that the supervision requirement has been met. Then there is the victim sit on his claims. Tip: Many companies offer in the area of ​​liability insurance to cover the offense by incompetent children: a ball with the shot-up ensures no disc or a damaged car too long for all strife in the neighborhood.

An obligation to pay damages is generally the strict liability - even if not at fault. This type of liability applies to certain risks, which may create a special hazard for humans and the environment. This applies eg for the owners of dogs. The four-legged friends are subject to strict liability and the owner is liable for any damage, regardless of how this has come about. This carries the liability insurance is a very important role. Because in many states dog owners are required to hedge the risk of damage to the liability insurance for dogs. The pure private insurance provides no relief here for owner.