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It's necessary to contract a personal liability insurance to register a car. This mandatory insurance covers all damages caused by the insured. However, if the driver commits an important mistake such as driving under the influence of alcohol, the insurance company may require the repayment of a part or all of the costs caused by this mistake.
You have two choices in Switzerland to complete your personal liability coverage in case of a car disaster:
If you are the owner of the vehicle, you are free to choose between the partial coverage or the full coverage. With a leasing, because you're not the owner of the car, it's necessary to contract a full coverage.
It's generally advisable to opt for a full coverage for a new car or for a car under 5 years.
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