The cost of personal liability insurance coverage is minimal compared to the potential risks. And because the Germans are insured well, they flood the courts with sometime petty legal action. This creates a backlog of litigation that is sometimes quite astounding.
Residents across the Rhine Ruhr region sue their neighbours over such topics as shrubs and trees busy growing branches, infringing property boundaries and dropping leaves or fruit. Or the neighbour has sawn off healthy growth due to extensive shade. Many other reasons exist with which to offend personal rights.
Even expats can find themselves dragged in front of a judge as a result of many minor incidents. Parents are mostly liable for the actions of their children.