German phrase
Wer haftet, wenn ~ verloren geht?
Meaning
Who is liable if ___ is lost?
When to use it
Asks who pays after a loss. It checks who must cover the loss.
Example dialogue
Wer haftet, wenn mein Handy verloren geht?
Who is liable if my phone gets lost?
Wenn du es nicht versichert hast, trägst du in der Regel selbst die Kosten.
If you did not insure it, you generally have to cover the costs yourself.