Hello! I was originally insured with my vehicle over my mother at a different company than at present. Insurance as said always about the mother, vehicle basically registered on me. Here I had had some partial cascade damage. Not that I would always let everything be done because it costs nothing, I just had bad luck. 3 – 5 damage will have been there. Always windshield, on our dirty highway here flies in there constantly something. Now had I changed company in the middle of 2005, because I bought a new car. My representative at the time probably pointed out to me that one will probably quit this time, with so many damages, but it could not come that far, because I was simply faster by vehicle change. I avoided the highway, but well…. I had already had the percentages rewritten at the new company at the beginning of the contract. Thus the contract did not just run. I went on to another company, but with the SF discounts transferred to me to my name. Stupid, one can say, if one knows that already on the approx. 250 km long drive home by a heavy stone blow the disk !!!RISS!!! OK, there you made no bitches, the damage was paid. Now I had with the company until today no damage, but now, with my new car I have one again. Because on the great highway is ne construction site and natürli I know this company and with people who have no mercy. I know that there is a damage file for the complete, which serves to make sure that not one and the same damage can be counted several times on expert reports and to expose fraudsters at all. Question 1: Is this also true for TK? Ask me if I have a stone in my window – you only have to have bad luck. Good, okay, a stone blow in a good 2 years – that’s not unusual. e 2: If I now cancel the insurance and am simply so fast that the insurance does not make it in front of me, then I have also “officially” quit as a UN, right? Do I really see this? Can I cancel the entire contract? So with liability? BETWEEN NOTICE: I still had an HP damage and never had a VK damage. Question 3: Suppose I quit there now and look for a new insurance. Normal is not asked for TK damage. Then I don’t have to do it either. But I can also give the one well, it can just happen. Then it should be smooth with new TK? Question 4: Because of the takeover of the percentages a new course started for me. So I should have had 2 TK damage officially. Do I see that right?