Motor vehicle liability insurance is compulsory — it is impossible for the insurance company to reject your insurance application. Exceptions exist if an insurer has terminated your contract due to a premium shortfall. However, every other insurance company is obliged by law to offer you liability insurance. On the other hand, the insurance company can refuse comprehensive or partially comprehensive insurance due to excessive risks. Possible reasons for this are insufficient creditworthiness, an adverse claim history, or false information in the insurance application.