It sees the automobile liability insurance
The compulsory automobile liability insurance you can rely. It comes on after an accident for third-party property and personal damages, even if the accident causes act with gross negligence.
The tire choice does not matter. The situation is different in damage to the vehicle: If you behave behind the wheel grossly negligently, when he rushes for example, ice or fog, has scratched only a tiny peephole in the icy pane or in deep snow without winter tires on the road is to be his own loss in doubt, self-pay - the fully comprehensive is no longer on most.
Just the fact that you go in November or January without winter tires means, however, does not mean that your comprehensive insurance does not pay. In general, it is difficult to prove that an accident has occurred solely because of the lack of winter tires.
Still worth the changeover: With the right tires you drive safer not only save, but also in doubt, expensive and lengthy court proceedings report - and the insurance pays more.
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