Imagine that you drop a flower pot from your balcony on your neighbour's car ... The liability « responsabilité civile » is
used to protect you for your "mistakes" or those of your children. It is part of insurance very important, it covers everything you do to others.
You need liability insurance for your home (it covers what the "recours des voisins et tiers" doesn't insure.), for your car (you get into another car, you spill a cyclist), for your children (during a chemistry course he blows the whole room, he hurts another child playing).
Make sure your liability covers you for injuries « dommages corporels » and property damage « dégâts matériels ».