I made a total mess: I had a car accident, because of the circumstances completely guilty, even if the other road user was busy with the mobile phone and drove too fast. Just ran quite stupid. I was classified because for years I had no own car in level 1/2. Now came the report that I was upgraded to 0 in the new insurance year. I just made a price comparison and saw that still with do insurance the costs not hoc h gehen. So, what now? * I must probably look when the new insurance year starts here: either 1 year after the insurance start or the new year. * At the moment I have no points, but probably there is still something, if no driving ban. So what would you do in this situation if the new insurance year starts at 1.1.2022? Now immediately complete a new insurance before a point may come or doesn’t matter at all? If the new insurance year begins for the new year? Thank you.