Evening all together Since my old man wants to buy a new car and also wants to change the insurance I have a few questions for you. He currently has the damage-free class 28. How does it look with the downgrading in an accident because different insurances have different downgrading tables. Example Insurer A From 1 damage 2 damage 3 damage 4 and more damage SF class According to class SF 25 SF 11 SF 4 SF 2 M SF 24 SF 11 SF 4 SF 2 M SF 23 SF 10 SF 4 SF 2 M Example Insurers B from Class 1Damage 2Damage 3Damage 4Damage n a c h K l a s e SF 25 SF 22 SF 10 SF 2 M SF 24 SF 11 SF 4 SF 1 M SF 23 SF 10 SF 4 SF 1 M SF 22 SF 10 SF 4 SF 1 M SF 21 SF 10 SF 4 SF 1 Mhttp://www.huk24.de/pdf/kfz/HUK646P.pdf So now to my question. 1 He signs a contract with B and has a damage in 2011 then he should stay with B 2012 SF22 or? 2 Which SF class would he have changed to A in 2012? 3 Which SF class would he have had if he had to join A in 2013? SF 23? I would be happy about expert help. MFG