You don’t need insurance FOR your car. You MUST have a “Haftpflichtversicherung” - but that only covers damage done by you and your car. If you only have that, you’ll get exactly 0 Euro.
Most people here have partial coverage, so if glass breaks, you get into an accident with a wild animal or you car gets stolen - and you’ll get some money back.
Full coverage would also include stupid mistakes you made. As long as they are not on purpose or done by speeding, drinking and driving and stuff like that.
So yeah, most people with newer cars would have full coverage. Expensive tho. So older cars usually only have partial or none coverage - only “Haftpflichtversicherung” is a must. Without you are not allowed to have a car in traffic.
Civilized countries require insurance so that victims aren’t at fault and on the hook, and better ones will even provide it(the province of Québec does the liability portion, for example).
some of them maybe? surely not all?
You don’t need insurance FOR your car. You MUST have a “Haftpflichtversicherung” - but that only covers damage done by you and your car. If you only have that, you’ll get exactly 0 Euro.
Most people here have partial coverage, so if glass breaks, you get into an accident with a wild animal or you car gets stolen - and you’ll get some money back.
Full coverage would also include stupid mistakes you made. As long as they are not on purpose or done by speeding, drinking and driving and stuff like that.
So yeah, most people with newer cars would have full coverage. Expensive tho. So older cars usually only have partial or none coverage - only “Haftpflichtversicherung” is a must. Without you are not allowed to have a car in traffic.
Civilized countries require insurance so that victims aren’t at fault and on the hook, and better ones will even provide it(the province of Québec does the liability portion, for example).