Germany may not be quite have achieved the the level of the Americans but they love to keep the courts occupied, creating a backlog of litigation that is astounding.
Hence, liability insurance could be considered a must for expats in Neuss. Neighbours love to sue over shrubs, trees and fruits infringing upon their property and personal lives. In cases of minor incidents, people can suddenly find themselves dragged in front of a judge. And parents are liable for the actions of their children.
The cost of personal coverage is minimal compared to the risks.