Hello, I am insured with the HDI (not HDI Direkt) and was involved in an accident almost 4 weeks ago. Even if I cannot understand the process, I will probably get a 50% partial debt. (I was traveling backwards in a parking lot and an inattentive driver drove me to the car when I parked out sideways) Since the driver had to pay a warning money on site and the police thought the fault was with the accident opponent, I have no idea Until my liability insurance has informed me that the opponent of the accident has filed a regulatory request and I am supposed to comment on the approach. I am therefore directly from the lawyer… According to the report, the damage to the opposing vehicle amounts to 2800 euros, on my own 1800 euros. I drive an Audi A6 3.0 TDI Avant Quattro BJ10, the opponent of the accident a Passat Kombi BJ 08. (The expert of the opponent of the accident has probably counted very well, 2600 euros for a damaged Passat-Stußsta nge and with me a new bumper and complete C-pillars and rear painting should cost only 1600 Euro) Until this morning I thought we were well insured, with my 300 Euro for the VK SB the topic would be through, but far missing. The HDI re-evaluates the VK of SF29 in SF16 and the HF of SF29 even on SF12 !!! I calculated that I would have annual insurance additional costs of 400 Euro and that because of an accident at which I feel absolutely no damage to my right In my search on the web, I then learned that many of the major insurers from SF25 on top of 1 accident have a maximum of 3 years. I would have expected from my insurance agency (which I thought was capable of so far) that only such tariffs would be proposed to me. But good afterwards one is always smarter. According to my research, it is the case that I keep the current SF with my insurance until the end of the year. the year my insurance would report the current SF status (i.e. SF29)+ 1 accident HF/Kasko. The downgrading would then be according to the table of the new insurance. Are these information correct? Otherwise I would at least regulate the Kasko itself, at 300 Euro SB and 50% payment of the accident opponent there is not much left anyway. Thank you 😉