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> The $300,000 is a perfectly reasonable coverage.

Really? My liability insurance in Germany covers up to €100 million per accident, and that's pretty standard. I always feel a bit anxious when driving rental cars in the US (even with SLI) considering how sue happy Americans are.

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Random googlings point me towards Haftpflichtversicherung being German Third party liability insurance which seems to be uniquely German in that it is so high compared to other countries. The linked forum[1] talks about Germans being shocked others don't carry such high coverage.

US States set their own minimums and none break $100k required. [2]

[1] http://www.toytowngermany.com/lofi/index.php/t97713.html [2] https://secure.wikimedia.org/wikipedia/en/wiki/United_States...

I'd hate to see what a €100 million euro car accident looks like! It seems like you'd have actually have intent in order to actually be responsible for that much damage.

http://www.insure.com/articles/lifeinsurance/body-parts.html

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