Broken cell phone: Does liability insurance pay the damage?

A cell phone can break quickly. In this article, we tell you in which cases liability insurance pays the damage.

Broken cell phone: Does liability insurance pay the damage?

If you have taken out personal liability insurance, this usually covers the damage you cause. This also applies if you accidentally destroy a smartphone.

• However, the same rules apply to the smartphone as to all other items that are damaged by your fault.
• Your liability insurance will not pay the damage if the items are yours. This means: If you have damaged your own cell phone, private liability for the damage will not be covered.
• The same applies to all family members who are also covered by liability insurance.
• However, if you are responsible for the damage to someone else's smartphone, liability insurance will regulate the damage if the claim is justified.
• However, if you are considering taking over the damage for a friend and reporting it to your insurance company, you should think twice about it. Apart from the fact that the case would be insurance fraud, it can happen that you get into trouble quickly if you really have any damage. Too many damage cases are very disliked in insurance circles and can lead to exclusion in an emergency.

If you don't want to take any risks, you can take out special smartphone insurance. We have checked the most popular cell phone insurance for you.