What legal protection does personal liability insurance offer?

Personal liability insurance protects you from damages you accidentally cause to other people or their property. It also provides legal protection if someone makes a legal claim or files a lawsuit against you for damages covered under the policy.
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Passive legal assistance is coverage that helps when a claim or lawsuit is made against you. It covers legal costs such as lawyer fees, court expenses, and settlements if you are found liable. This assistance applies only when you respond to formal legal actions, not informal disputes.
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Passive legal coverage applies if another person's insurance company makes a claim against you or if a lawsuit is initiated seeking compensation for damage or injury you allegedly caused. This support helps cover your defense costs in these situations.
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No, passive legal assistance does not cover disputes or disagreements that have not escalated to formal claims or lawsuits. In this case a Mieterverein (tenants advocacy group - if tenancy related) or a private lawyer are the suitable solution.
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If you are riding a bike and a driver claims you scratched their vehicle but you did not actually touch it, the driver may seek compensation through their insurance or court action. Your personal liability insurance can cover your legal defense costs in this case, protecting you from unexpected legal expenses.