Difference between strict liability and fault-based liability

Examples showing the importance of purchasing liability insurance:

Strict liability as parents
As a parent, you are liable for damages caused by your children, up to a certain age of the children. This is established by law. Suppose your 5-year-old child goes to play at a friend's house and damages an expensive painting. As the parent of your child, you can be held liable for this damage, even if you yourself did not damage the painting. As you can imagine, the amount of damages can be considerable.

Strict liability as a homeowner
Suppose a roof tile blows off your house, damaging the neighbor's glass conservatory. As the owner of the house, you may be liable for this, even though you did not throw the roof tile yourself.

Does third-party insurance cover both forms of liability?

In most cases, both fault and strict liability are covered on liability insurance. Of course, it is important that you choose the right coverage, namely family coverage if you have a family and not single person coverage.

What is fault-based liability?

Debt liability is a form of liability (you are being charged with something), where you are at fault and you are to blame. This may be because you literally do something, or it may be because you fail to do something.

Examples showing that taking out liability insurance is important:

Knocking over an antique vase
Suppose you are visiting your aunt. On a pillar she has an antique vase, a family heirloom. In your enthusiasm, you wave your arms and throw the vase off the pillar. In addition to leaving your aunt inconsolable, this also damages several thousand dollars.

Tripping and scratching your car
You bought new pumps with a nice high heel. You are wearing them for the first time, but it is raining very hard today. Suddenly you trip and your umbrella scratches a parked car. The side of the car in question has to be completely repainted to repair the damage.