I have something called liability insurance (Haftpflichtversicherung) and it covers up to 10.000.000 € in damages I could inflict on other peoples property. And it only costs me 75 € a year. Nearly everyone here has such an insurance.
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Cake day: February 26th, 2025
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We have that too as a separate insurance and this is even mandatory. Your not allowed to have a car without that.