You want to drive on public roads. Which insurance must you take out for your vehicle?

In Germany, it is mandatory to have motor vehicle liability insurance (Kfz-Haftpflichtversicherung) to legally drive on public roads. This insurance covers damages you may cause to others in an accident, including injury and property damage. It's a crucial requirement that protects both you and other road users.

While comprehensive vehicle insurance (Vollkaskoversicherung) and legal expenses insurance (Rechtsschutzversicherung) are beneficial, they are not required by law. Comprehensive insurance covers damage to your own vehicle, while legal expenses insurance can help cover legal fees. These options are helpful for additional protection but do not replace the necessity of having liability insurance. Understanding this distinction is key to ensuring compliance with German traffic regulations and safeguarding yourself financially in case of incidents on the road.