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One mistake is all it takes...

One of the GermanPedia members recently wrote us about an incident. To protect their identity, we'll refer to them as Stefan.

It was nice weather, and Stefan and his wife were going to visit their friend on her birthday.

Stefan parked his car in a quiet neighborhood. He and his wife were excited to celebrate their friend's birthday. While Stefan was talking to his wife (Anne), Anne opened the car door.

And all of a sudden... boom... A cyclist crashed into their car door.

Still in shock at what just happened, they rushed to help the cyclist and called the emergency services. The cyclist injured their knee and might have to undergo a lengthy treatment. Additionally, the cycle frame also got damaged.

The police made a detailed report and told them they had to cover the costs of medical treatment, pain, and suffering for the cyclist. The damage costs will at least be 20,000 €.

They also have to cover the costs of cycle repair or replacing the cycle. It was an e-bike that cost around 2500 €.

Additionally, they must cover the financial loss that the cyclist will incur due to their inability to work for a certain period of time. This cost will depend on the cyclist's profession and the duration of their inability to work.

Overall, they might end up paying anywhere between 30,000 € to 50,000 € for this incident.

Luckily, Anne had personal liability insurance to cover the costs. Otherwise, she would have had to pay the whole cost out of her own pocket.

Stefan told us he wanted to share this incident with as many people as possible. He wants to raise awareness about the importance of personal liability insurance in Germany.

Without the insurance, Stefan's family would have been in great financial trouble. Not only would they have lost years of savings and emergency funds, but their plan to buy a home would also have been destroyed.

Protect yourself with personal liability insurance

I hope you already have private liability insurance. If you don't, you should get one now.

You can get good personal liability insurance for under 5 € per month to protect your whole family. Here is what a good liability insurance covers.

• up to 50 million insurance sum
• cost of damage caused by you to third party
• medical treatment costs, pain, and suffering
• financial loss
• damage to borrowed or rented items
• damage to the rental property

We found personal liability insurance from FRIDAY* and Getsafe* among the best. We recommend taking the "Relax" tariff from FRIDAY and "Premium" from Getsafe.

You can adjust the deductible to reduce the liability insurance cost.

The best part of getting insurance from Getsafe is the English support. Another insurer that offers English support is Feather*.

New on GermanPedia

Do you have a pet in Germany? As a pet owner, you are responsible for paying for the damages caused by your pet (dog, cat, etc.). Moreover, in some federal states of Germany, having pet insurance is legally required. You cannot plan for an accident. But you can be prepared if one happens. Know more about pet insurance in Germany

Protect your expensive furniture, electronics, jewelry, and cash We spend days to find the perfect couch for our living room. Additionaly, we pay a good sum to make the purchase. But what if it gets burned in a fire, or damaged when your water pipe bursts? This is where household insurance comes into play. It covers the costs of your home contents if they get damaged in a burglary, fire, storm, etc. Do you household insurance in Germany?