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== Situation in [[Germany]] ==
The German ''Kfz-Haftpflichtversicherung'' which means liability insurance for vehicles is obligatory in Germany. Every person in the vehicle is insured by this. If the passenger hurts somebody (for example a cycling grandmother) by opening the door, the passenger (or his insurance) is responsible for the damage.
== Situation in the [[United Kingdom]]==
In the United Kingdom, truckers and generally people driving in company cars very often decline lifts with the reason that they wouldn't be insured in case an accident happens.
== Travel insurance ==
