A hair-raising story from Wuppertal-Vohwinkel

It was a sunny afternoon in Wuppertal-Vohwinkel, in the narrow parking lot on Kaiserstrasse. Mr. Schmidt, a passionate amateur gardener, just wanted to quickly pick up his new cherry tree from the nursery. But, as so often happens, the devil was in the details. The cherry tree, stately and with spreading branches, didn't quite fit in the trunk of his small car. In a mixture of optimism and recklessness, Mr. Schmidt decided to simply put the tree in the trunk and leave the lid open. He thought to himself, "Nothing will happen."

What followed was a chain of misfortune that would be out of place even in an absurdist comic strip. While backing out of his parking space, Mr. Schmidt's cherry tree branch grazed a passing vintage car. The branch not only dented the elegant hood but also scratched the entire passenger side and ripped off the side mirror. The impact was so severe that the vintage car's passenger, a renowned opera singer, lost her voice. And as if that weren't enough, the now-free cherry tree branch collided with a delivery driver who was delivering a package containing priceless Ming Dynasty porcelain. The porcelain shattered into a thousand pieces, and the driver was so shocked that he was unable to deliver a single package for the rest of the day. A simple trip to the garden center ended in a spectacular cascade of accidents resulting in personal injury, property damage, and financial losses.

When a fender bender turns into a battle of nerves: Your guide to involuntary crash parties

Everyone knows the feeling: a brief moment of inattention, a little "clunk," and it's happened. Car liability claims are those annoying companions in everyday driving. They're like unwanted guests at a party – they appear suddenly, leave a lot of chaos in their wake, and end up costing a fortune. But before your mishap turns into an existential crisis, we'll tell you why car liability insurance is your best friend.

Personal injury: If you accidentally "dent" someone's head

A minor rear-end collision, and the driver in front has whiplash. Sounds harmless? Not for the insurance company. Third-party liability insurance covers all costs arising from personal injuries – from doctor's visits and pain and suffering compensation to therapies and lost wages. It's like an all-inclusive package for the recovery of others, paid for by your insurance.

Property damage: When your car hits someone else's property

The classic scenario: You scrape your neighbor's parked luxury SUV, tear down the garden fence, or punch a hole in the house wall. Property damage is often the most frequent and visible consequence of an accident. Whether it's a scratch in the paintwork, a broken cell phone, or a shattered streetlamp – your liability insurance covers the repair or replacement value. This way, your bank account remains untouched, while the person who caused the damage is compensated.

Financial loss: When the drama becomes really expensive

Sometimes an accident leads not only to physical or material damage, but also to financial losses. For example, if you block a delivery truck and they consequently lose revenue. Your liability insurance also covers these indirect damages. It's the invisible bodyguard that protects you from the financial consequences that even a simple accident can bring.