1. Damage to your own property is not insured

Liability insurance only pays out if damage is caused to other people

The following are not insured, for example:

• own broken mobile phone

• self-inflicted damage to one's own property

• own injuries without external involvement

Other insurance policies come into play here – or you're left to bear the cost of the damage yourself.

2. Damage to borrowed or rented items

Many people think that borrowed items are automatically covered by insurance. This is only partially true.

Problems often arise in the following cases:

• rented bicycles

• rented technical equipment

• borrowed cameras or electronics

• Damage to borrowed cars

Often, no protection applies here, or only to a limited extent.

3. Intentionally caused damage

Anyone who intentionally causes damage receives no protection whatsoever.

Examples:

• A dispute escalates and someone deliberately damages someone else's property

• malicious damage to property

• intentional bodily harm

Insurance companies generally only pay out in cases of unintentional damage.

4. Damages incurred at work or during secondary employment

Private liability insurance does not cover professional damages .

Typical cases:

• Employer's laptop falls down

• Damage caused to the customer

• Mistakes in a side job or self-employment

In this case, the employer's liability or special professional insurance policies usually apply.

5. Damage caused by certain animals or vehicles

Not everything with wheels or paws is automatically insured.

Often excluded:

• Dogs or horses without special pet owner's liability insurance

• motorized vehicles

• E-scooters without their own insurance

• Boats or motorized recreational equipment

Separate insurance policies are required here.

Why many rejections happen

Many claims are rejected because the insured:

• Never checked contract details

• old tariffs with gaps

• Important building blocks are missing

• Do not know exclusions

The problem usually only becomes apparent when damage occurs.

What to do if the liability insurance company refuses to pay?

A rejection should be reviewed. Problems often arise from:

• unclear damage descriptions

• missing documents

• Misunderstandings regarding the sequence of events

• misjudgment of the situation

Here, Risk-BOT consumers to correctly prepare damage reports, make rejection letters understandable, and clarify possible next steps.

Conclusion

Personal liability insurance is important – but it's not comprehensive protection. Knowing where the typical gaps lie allows you to better assess risks and react more quickly in an emergency.