Dear Friends,
I am inviting my mother in law for three months in the tourist visa. I learned that ADAC insurance is cheap and best one for short time stay. My friend informed me that it is not included with liablity insurance. I am just wondering is this possible to take liablity insurance also with ADAC or liablity is not necessary for people staying for short time? Your suggestions will be helpful for me..

ADAC has a liability insurance for the "incoming" guests..
https://www1.adac.de/_mm/ves/pdf/Antr_Erstvers_ARISA_online_2636.pdf

whether the liability insurance is necessary or not is your own decision..
It depends on the fact that whether you want to take the risk or not..

Regards,

Lacrima

Thanks for the reply. I will surely opt for this insurance.
Saravanan