liability insurance
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liability insurance
Insurance that covers damage you unintentionally cause to another person or their property.
Zum Glück hat meine Haftpflichtversicherung den Schaden am Auto meines Nachbarn bezahlt.
Luckily, my liability insurance paid for the damage to my neighbor's car.
The word consists of three parts: 'Haft' (liability), 'Pflicht' (duty), and 'Versicherung' (insurance). So it is insurance for cases where you have the duty to be liable for damage.
Eine private Haftpflichtversicherung ist in Deutschland sehr zu empfehlen.
Private liability insurance is highly recommended in Germany.
Certain verbs are very common in connection with this word: You can 'eine Haftpflichtversicherung abschließen' (take out liability insurance, make a contract), 'haben' (have), or 'brauchen' (need) one.
Jeder Hundebesitzer sollte eine Haftpflichtversicherung für sein Tier abschließen.
Every dog owner should take out liability insurance for their animal.
If the insurance is supposed to pay for damage, you say that the damage 'wird von der Haftpflichtversicherung übernommen' (is covered/paid for by the liability insurance) or 'ist gedeckt' (is covered). You can also 'die Versicherung in Anspruch nehmen' (make use of the insurance / file a claim).
Der Wasserschaden in der Wohnung unter uns wurde komplett von unserer Haftpflichtversicherung übernommen.
The water damage in the apartment below us was completely covered by our liability insurance.
In Germany, private liability insurance is not legally required, but it is extremely widespread. It is considered one of the most important voluntary types of insurance.
Ohne Haftpflichtversicherung hätte ich den teuren Schaden selbst bezahlen müssen.
Without liability insurance, I would have had to pay for the expensive damage myself.
insurance / assurance
'die Versicherung' and 'die Haftpflichtversicherung' are closely related, but they are not the same. 'Versicherung' is a general term for many contracts that provide financial help in the event of damage, loss, or problems. 'Haftpflichtversicherung' is a specific kind of insurance. It pays when you unintentionally cause damage to another person or their property. The words can be confused because a 'Haftpflichtversicherung' is also a 'Versicherung'. If you are talking generally about financial protection, 'Versicherung' fits. If it is about damage that you cause to others, you need 'Haftpflichtversicherung'.
Zu Hause hat Mehmet seine Haftpflichtversicherung angerufen, weil er ein Fenster beschädigt hat.
At home, Mehmet called his liability insurance because he had damaged a window.
Sie sucht eine Versicherung für ihr neues Fahrrad.
She is looking for insurance for her new bicycle.