Hello dear people, I have some technical insurance questions. At the moment I am quite deprecated, because I had so much bad luck with the vehicle. Drive now for several decades, but the last 5 years have cost me all my good discounts. So I just start to tell and ask: I had bought a car and first registered it with the insurance (a), where our second car is insured. Maybe this is important So, for cost reasons, I switched to another insurance (b). In 2010 I had been classified with SF 22. Then I had an accident (unhappyly run-by ice cream on someone who suddenly slowed down) and with the invoice for 2011 I was classified in SF 10. Then I switched to insurance (c) for cost reasons. I promptly had another accident (PKW just slipped away on ice ice cream on the slope. Had already gone out and had to go to the Haj Well, with the bill for 2012 I was classified in SF 4. Now it’s like my work has become more and more stressful and the money for the family has to come in. I don’t get much sleep and everything is really only a rush for little pay. Well, at least this year I had a blackout (perhaps a second sleep) and caused an accident again. That would probably make me come to SF 1/2. Me In accident vehicle, already older, I don’t want to repair anymore, but sell it to a buyer, because it seems to me to bring only misfortune. We would like to buy another cheap first vehicle. So, second car is still with insurance a) and with SF 26. First car (accident car) is still with insurance c) with SF6 but would sink to SF 1/2. My wife has had no own car insurance for over 20 years. Now my questions: 1. Can I reclassify the accident drive without having to pay the damage itself, that is really too high this time. Can I unfortunately not afford as a low earner. 2. How do I behave now, what do I have to do if I log off the accident car and sell and buy a new cheap used car. How do I report the where to? 3. I am afraid that this will have an impact on the second car insurance insurance a). That would be an even bigger financial disaster. I hope that I have described everything fairly clearly and that someone can help me here, even that I don’t see everything so gloomy anymore. If you’re as old as I am, you’ve been courted, now life is getting a little easier and quieter. But nothing there. Oh, well, both vehicles run on my name. Now I’ve googled again and read somewhere:…No advantages if another insurer has the Z wide car insurance in case of an accident between first and second car. No matter which insurance the vehicles are insured with, it is always treated as damage to the own vehicle, if both cars have the same owner. What does that mean? Should the other insurance, where the second car is, now also make another SF classification? Because elsewhere I read again, that both contracts are independent of each other. I am completely confused. Could I not do the following: 1. I transfer the SF class from the first vehicle to my wife. Then the percentages for the driving train are no longer there. Then I register the car and can cancel because of the accident, the cancellation and the sale. 2. Then I ask my second car insurance, how this would classify the vehicle, if I now want to insure the new used ones with those in my name. In the question about the pre-insurance I have to say that there is no SF anymore, because I have the The second car would then probably become the first car and the new used car to the second car. So someone told me the day before yesterday. Can this be done like this? I am very skeptical and careful. Actually, I am an honest person, but slowly it is going to the financial minimum of existence. I really have to see that we can still fulfil our financial obligations and our four-member family must still be able to live. Children are also the most important our (but a great hold in life). In advance, thank you very much for your help. Greetings lenaundlara