Dear readers, in the financing forum the question arose whether you need a traffic law insurance and I argued that I didn’t even have a partial cascade for my car. Since this is OT there, I ask you, which insurances do you think are necessary, also depending on the vehicle age and the possible ongoing financing? I drive an old car with a current replacement value of about 7,500 € and have only a liability, however with increased coverage ( one thinks of the accident with the tank truck, which fell from the bridge) and otherwise no Kasko, because it would quickly exceed the total vehicle value and also no traffic law protection. In my almost 18 years driving license and car ownership would have brought only once a comprehensive something and paid about 2,500 €. So over the years a bad deal calculated. When I once had a leased new car, I closed the quite favorable all-round package with CAP, because this is absolutely not necessary. In particular, I think traffic law protection is quite unnecessary and even if a case should occur where you need it, you can also pay it out of your own pocket. I don’t like to sue others, nor am I sued. I was only one witness in court and that was about something professional. So, how do you think that and am I now naive, as one here in the forum described me? BTW: Against high towing costs or for the breakdown aid bin ic h at the ADAC. Only the tank discount at Shell and the cheaper traffic trainings bring the annual fee back in.