A quick glance at your phone, a careless step – and suddenly you've caused damage to someone. In such moments, we automatically hope the person at fault has liability insurance. But what if they don't? Insurance expert Bastian Kunkel explains the critical coverage you need to protect your finances. Learn about the essential 'claims default coverage' in your personal liability insurance and how it compares to protections in the U.S. like personal liability coverage and Medigap plans.…