Liability insurance is a type of insurance that deals with who is responsible for damages or injuries. The article discusses different opinions on the legal nature of liability insurance and how it is different from other types of insurance. It looks at how the insured person, the insurance company, and the injured party are all connected in these types of contracts. The article also mentions laws that regulate liability insurance in Germany. Overall, liability insurance is important for protecting not only the insured person but also third parties who may be affected by accidents or incidents.