Author: 00c12f

Hello everyone, now it happened today on a return trip on the highway in the dark during rain – I touched a beacon with the outside mirror, the right outside mirror was damaged (outside cover was off, mirror hung down on cables, mirror housing remained optically intact, main functions were apparently ok after again plugging on the mirror, but still had to continue for 2 hours in the rain, no idea where the water got everywhere…) and a approx. 5cm long, 1-2mm wide scratches in the side window. My question now to you: I have a comprehensive one, am in Ö home, would it be better to handle this damage over all-round or as parking damage/foreign debt? With the comprehensive one I would probably rise in the BoMa level / premium… how would you handle this? I guess that such an outside mirror (spur change warning, surround view, foldable, seat memory etc) quickly sums up on a workshop bill of 2,000 euros? can one possibly polish out the scratch? Oh yes – please only for constructive answers and if possible no instructions on the legal assessment of such questions, thank you already in advance! Greeting bmok

A good year ago (July 2014) I borrowed a car from my girlfriend because I started my training and I came to work badly through the rail replacement traffic. I drove the car with her stepfather over 1 hour so that he could see for himself who he rented the car (old FORD KA automatik ) Tüv to OKT 14. The car was no longer the best and should also be scrapped after the end of the tüvs. We then also worked on the insurance for 2 weeks. Everything went well until I didn’t drive for 5 minutes alone. I drove around a turn and swooped… once completely over. TOTAL SCHADEN! He decided not to let it be clarified about the insurance. The only incurred costs were those of the “cleaning” of the oil track (approx. 450€ ). For the time being we had agreed that I would pay it by instalment (50€/mtl. if possible. otherwise less) (because Azubi with 311€/mtl can not pay everything once). As soon as I only participate in leisure activities that cost a bit (open-air swimming pool, café, …), I get a message that I should rather pay the amount off. I am tired and simply no longer interested in it! That the friendship is probably there too. Do I have to cover the costs because it wasn’t my decision to let go of the insurance? Do I have to cover the costs completely? Greetings and thanks in advance for every answer

I hope someone here can help me, because my case seems quite complicated to me right now and I’m not looking through it anymore. There are three points that may be taken for themselves, but a big problem arises, which I should cleverly do in this situation. So the following situation: Point 1: The cars I have driven so far (student, 29) have always been admitted to my father. That should change now and the damage caused by the car is not the same. Since I have a good 11 years driving license, I should get a maximum of class 11, right? Well, the insurance ran regularly but only for the last eight years, before that there was a year break, my first car I drove for two years. Is that somehow relevant that there was a break or count only the current class 13 minus the two years. If I look at the HDI customer information here (page 29), I read something of 32%. Can someone tell me how this fits together? So, and now the lead me really complicated part: When I parked I have a car striped, the insurance case is there, time could be typical At the moment, the insurance company is still running on my father, which is supposed to change as I said. From his class 13 he would be downgraded to class 4 or 5, yes by table, where I don’t know which one is really going to be used. Now the question arises, what this means for my transfer, whether it would not be wiser to wait for the insurance case to be settled. Long speech, short sense I try to find out what costs will be coming on me, whether it might not be more useful to change the insurance (HDI is not necessarily the cheapest, at least not if it is possible after the recommendation table) or to restart at SF 1/2 and so on. I hope that is not too much of the good now, but maybe at least parts can be clarified. Wouldn’t be a great thing.