Hello together, I would like help with the following case. The following happened in 2017: – Vehicle owner (= policyholder) gives his car to person B (driver) – Driver causes accident (bleach damage) and removes himself illegally, but is observed and reported to police – Insurance policy was NOT approved for foreign drivers Insurance regulates the damage to the foreign vehicle, upgrades the vehicle owner and reimburses him retroactively. End of Dec November 2018 (i.e. almost one and a half years after the accident) the insurance company now registers with the driver with the following wording: “…because you have infringed the GTC in your contract concluded with us, we ask you to pay the regress claim in the amount of x Euro within 3 weeks.” 1.) The driver is not in any contractual relationship with the insurance. How can the insurance then rely on it? 2.) According to Google results, the insurance company Regressansp now almost 1.5 years have passed. Can anyone bring light into the dark here, whether, and if so, what exactly to do? Thank you very much! Martin