the following story, which shows how the HUK wants to take care of my insurance case as quickly as possible, at my expense. To the point of fact, I drove about 50m behind a vehicle, as it turned right following the road. As I also drove around the corner, I saw the vehicle standing right at the edge of the road. It was obvious that the driver wanted to park there, since he was already stopping. Therefore, I drove left past the vehicle. When I was at the height of the driver, he gave gas at once and pulled his vehicle to the left. There, however, I found myself at that time. Also, my full braking and my dodging did not help. The rear bumper of the opposing vehicle remained hanging on my right fender as it moved further and further to the left. Despite noise, the driver continued to drive and only through my hooves did he stop 50m further. The police, which I had informed, first instructed the driver before asking him about the accident. If he still had I would be guilty if he confessed, then he would be guilty. Everyone can think what his statement was, although he had said something else before witnesses before. The police didn’t care. Photos taken from the accident site and 4 weeks later the surprise came. Penalty notice, because of alleged overtaking in unclear traffic situation. Unfortunately there were no witnesses for the accident itself. Nevertheless, I filed an appeal to the fine. The court came to the same The case against me was stopped. My belief in justice was restored. But I didn’t expect my insurance. The HUK now thinks that after the inspection of the police files and the splinter field I have overtaken in the event of unclear traffic situation. How can an insurance company simply ignore the decision of a court? The argument of the clerk, the splinters lay me hr on the left side of the road and therefore I would have overtaken – ?????? – The HUK’s clerk has no interest at all in campaigning for the policyholder. Much prefers to divide the damage, with the downgrading they then get the money back again. The damage amounts to approx. EUR 800.- on both sides. What can I do against the decision of my insurance? Thanks for every hint