How do I use my personal liability insurance (Haftpflichtversicherung) in Germany?
If you need to use your personal liability insurance, or Haftpflichtversicherung, you should contact your insurance company directly – not your bank, but the actual insurer who issued the policy. Report the damage as soon as you notice it. They'll usually ask for a description of how the incident happened, along with any photos or documents you might have. Always check your policy for specific reporting deadlines and coverage conditions.
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