Mecklenburgische Motor third-party liability (Kfz Haftpflichtversicherung)

Combined lump-sum liability cover of €100 million per claim event for personal injury, property damage and pure financial loss combined, capped at €15 million per injured person for bodily injury.

Property damage is covered within the same combined €100 million lump-sum liability limit per event, shared with bodily injury and pure financial loss claims; there is no separate per-item sublimit.

If claims against the policyholder are unfounded, Mecklenburgische defends against them at its own cost (also where a claim is unfounded only as to its amount) and is authorised to settle or defend claims in the policyholder's name. A separate, optional traffic legal protection product (Verkehrs-Rechtsschutz) for the policyholder's own disputes and traffic offences is offered at a discounted rate with a deductible, but is a distinct add-on, not part of this liability defence.

Where Mecklenburgische has issued an International Insurance (Green) Card, the Kfz-Haftpflicht cover extends to the non-European countries named on the card, unless the country name is struck through; the scope follows the visited country's legal minimum, but at least the contract's own scope.

Optional, separately contracted roadside assistance (Autoschutzbrief) covers breakdown and accident help, e.g. up to €150 for on-site breakdown assistance and up to €200 for towing (both unlimited if reported via the 24/7 emergency hotline), full-cost vehicle recovery/salvage, plus further travel-related benefits such as replacement transport, overnight stays and repatriation.

Available only with the optional Komfortdeckung upgrade, the Fahrer-Versicherung compensates the driver's own bodily injury sustained in an accident while driving the insured car, up to the bodily-injury liability sum insured (up to €15 million); self-employed drivers instead receive a capped daily loss-of-earnings benefit (1/360 of the statutory pension contribution ceiling) from the seventh week after the accident.