Air travel – How do I know on a flight route with one or more stopovers at which stopovers I have to pick up my checked baggage?

How do I know on a flight route with one or more stopovers, at which stopovers I have to pick up my checked baggage?

I know I can ask at the front desk where I get the boarding passes, but this information may be wrong. In this case I am still responsible for my luggage.