Hello, I bought my first car three years ago (with SF 1/2) and had a car accident in the same year. The car slipped because of the wet and the highway plank is caused by me, but I did not get a point from Flensburg … the car was unfortunately completely cut and scrapped, I did not have a car afterwards. Last week I bought a used car and am looking for a cheap understanding on the internet, for that I always have to enter an SF class….v on the then insurance I have learned that my SF class increases to 0 because of the accident, so the cost is quite high. My question now is: if I go to another insurance, do I have to calculate the cost exactly with SF0? Or can I withdraw it back to SF 1/2 because I had a break in between almost 3 years? How is the regulation in this case? I apologize for my bad German, hopefully I have clearly explained my situation u And I’ll be very happy to receive your answers/ advice!!!