Hello, I unfortunately had a debt accident with lighter sheet metal damage today. I was with the accident opponent afterwards at a workshop and the man said he would repair it for 450€ (only his vehicle, mine would charge again with an additional 200-300€). I had called the insurance, unfortunately I had no discount protection in the tariff and would be regraded from SF22 by 11 years (!). Can anyone tell me what more is worth? MfG, amar7 PS: Besides Since then, I have always driven with a KfZ to my father’s name as a policyholder and myself as a holder. Can I slowly get rid of it now without starting with SF0?