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Who pays for damages in case of an accident?

Principally, the (statutory or private) health insurance of the affected person covers the medical care initially. Furthermore are all sports clubs, if they belong to a federal sports association (Landessportbund or Landessportverband LSB /LSV), and their members insured for liability, accident and in most cases also for legal expenses in the framework of a group insurance. This is also true for refugees if they are members in the sports club.