KraftfahrzeugHaftpflichtversicherungsgesetz

Kraftfahrzeug-Haftpflichtversicherung, commonly abbreviated Kfz-Haftpflichtversicherung, is the mandatory motor vehicle liability insurance in Germany. It covers damages to persons or property caused by the insured vehicle to third parties. The policy is required by law; vehicle owners must maintain liability coverage to register and operate a vehicle. Coverage limits typically include per-accident caps of around 7.5 million euros for bodily injury and 1 million euros for property damage, though exact limits depend on the policy and insurer, and higher limits are available.

The insurance does not cover damage to the insured vehicle or its occupants. For protection of the owner’s own vehicle, motorists can purchase Teilkasko or Vollkasko, which provide varying degrees of coverage against risks such as theft, fire, vandalism, weather, and collision.

In Germany, proof of Kfz-Haftpflichtversicherung, via electronic insurance confirmation (eVB), must be presented when registering a vehicle or changing license plates. Premiums are determined by factors including vehicle type, engine power, annual mileage, coverage limits, driver age and driving history. No-claims bonuses (Schadenfreiheitsklasse) can reduce the premium with prior claims-free years.

If a claim is made, the insurer pays for covered third-party damages up to the policy limits, and defense costs may be included. The system emphasizes compensation to third parties rather than direct reimbursement to the insured. The Kfz-Haftpflichtversicherung is provided by private insurers under state regulation and the general terms of insurance.