There is always a logic behind the protection given to the client in terms of insurance. This logic is defined by the development team of the insurance policy because the insurance policy makers are well aware of the fact that the clients have to be satisfied I best possible way and there should be a thought behind every insurance policy so that it would be easier for the insurer to convince the client. Same is the case with the Haftpflichtversicherung as well because there has to be some logic behind every insurance policy. In general clients are asked to pay the premium, so that the coverage can be provided and upon getting the maturity of the policy the insurer is bound to pay the money to the client. But in all of this there is a something related to the type of insurance that we are talking about.
But the question that needs to be answered is that if a client gets Haftpflichtversicherung, what are the possible scenarios in which the client would be using the policy? First of all we need to admit that the insurance policy would cover the claims that client might have to face, but the amount of money for these claims would be paid by the insurer. The insurer will have pool developed for the client that are usually defined in a group. When a group member faces a claim by a third party, the amount of money from the pool will be given to the client(Not directly) because normally these sorts of claims are filed by the third party that would be called a party that makes a lawsuit. A percentage of the premium has to be included in the pool because whenever any member requires to have the amount of money in terms of claim, the money can be used.