Huhu, I’m new here is the Steffi. Sodele now I have a problem: I ran over a red traffic light in dense fog. I drove even more slowly and first turned on the fog lamp on my car. Then I looked into the rear-view mirror briefly to see that the one behind me also sees. Then came the red traffic light, which I saw too late. Another car came from the right. I braked immediately and left. Unfortunately it wasn’t enough and I caught the car still on the rear axle. Plums – accident. I was very shocked, because I am actually a very careful and careful driver. I had never had an accident, or drove too fast. The other driver on the top was very friendly and helped me. Since I didn’t know exactly what to do he regulated everything and also did not call the police. There was also no personal damage. I am fully insured by my ex-mother-in-law, with whom I I don’t have to worry about an upgrading of the insurance, because at that time I guaranteed that this would not happen in the event of a self-inflicted accident. I don’t sink in a year. But that’s not really my problem. Sodele my real problem is whether the insurance will take over my damage. My car is still financed and I’ve already talked to the bank that the replacement value – the current value to the bank ht. I can sell my car and buy a new car from it and leave the new letter at the bank for the remaining debt. Yes now there is only the problem with the insurance, since I received the questionnaire only yesterday is now just weekend and I just can not wait until Monday. Maybe you know if there has been a case that the insurance took over. Otherwise I would really have a problem because a car I need :-(. Thanks for your Antwo (Parliament adopted the legislative resolution)