When does liability insurance pay when it is only about 400-600, e.g. Notebook?

When does liability insurance pay when it is only about 400-600, e.g. Notebook?

Then when there's an insurance claim.

With personal liability insurance, there are rarely deductibles like those in the auto sector. Values between € 400-1000 are typical for personal liability claims.

(You can also see this from the fact that the premiums are well below one hundred euro per year and not at € 1,000 or more like fully comprehensive insurance). Otto-Normaluser reports a claim about every eight years.

Liability insurance pays when there's an insured event:

Of course, never if you have damaged your own items.
Of course never, if it is normal wear and tear.
Of course never, if it concerns borrowed objects.
Of course, never if the damage was caused through gross negligence.

A typical liability damage is if you are visiting somewhere, stumble and sweep a notebook off the table.

On the other hand, if you sit on a third-party notebook that is lying on a chair under a blanket, the owner may have been grossly negligent.

Insurance fraud is particularly common with private liability. However, insurance companies also know this and know all the tricks.

From the liability check of the UN or its co-insured persons and after receipt of the damage amount documented by the claimant.

From when it is certain that she has to pay.

Strange question…