Anyone who intentionally or negligently, the life, body, health, liberty, property or other right of another wrongfully injured, the other is obligated to compensate the damage resulting therefrom. For whom is the personal liability insurance good For each individual, because a little inattention or carelessness, and already a great deal of damage can be caused. Why a personal liability The liability of individuals is not always limited! The obligation to pay compensation goes to the heirs and is not always dependent on a fault. That is why personal liability insurance and the adjustment of their insurance requirements for each of of great importance. Not insured: Not covered are damages, which the policyholder causes in the course of his business, as well as third party damage that is intentionally inflicted on a third party. Damage that you yourself suffer and claims between family members and people whoHave insurance coverage for the same insurance policy. Claims due to loss of property, as well as penalties and Bugelder.Schden and flaws in things and activities, which the policyholder manufactured or delivered. Damage that is caused by the use of a motor vehicle (insured by motor insurance!) Not insured but usually in an “Advanced Personal liability” with insurable: losses caused by the insured in foreign matters during the processing, use, storage or transport . Damage and defects to property, which has rented or loaned to the policyholder. Damage caused to relatives who do not live in a shared household and are not insured in the insurance contract.