Traffic legal protection for a vehicle is tied to a specific car. The coverage applies to legal disputes directly related to that vehicle. This includes, among other things, disputes arising from traffic accidents, problems with repair shops, or conflicts when purchasing a car. For people who own only one vehicle and have relatively limited driving habits, this coverage may generally be sufficient.

However, the scope of coverage is clearly limited. Insurance coverage applies only when the insured vehicle is in use. People who are involved in an accident as pedestrians or cyclists, or who are driving a borrowed vehicle, generally do not have coverage. Rental cars and car-sharing vehicles are also usually not covered.