Car was parked in the parking lot, but a door was (accidentally) slightly opened, I was shopping. Other vtn parked next to me and rammed the open door. Damage clearance was found 50/50.. I was therefore responsible for 50%.. Unfortunately I had no legal protection therefore I had to accept the decision so. My partial cascade therefore pays 50% of the other vtn and ranks me high. 60 eur more per month. For the next years I have to pay almost 2900 eur more premium.. the compensation that the insurance has paid back (1300 eur). 50% of my own damage I had to pay (completely new door) now still the 1300 on it. All a little money for that I was not even close to my car.. My consideration: cancel insurance, open new to my wife.. must I rewrite the car on my wife for this or can I make a new one on her name even though the car is registered to me? Edit: details. n only one car, so my classification doesn’t matter if it’s on woman. – Woman starts from zero. The insurance for her would be 80 eur a month.. my (with the increased premium) would be 150…