Author: 00c12f

Hello, I had already written in the Punto Forum, one of us drove on our parked car and has caused a “eigtl.” Total damage, the liability is clear, according to HDI KV from the Fiat AH I submitted, but they want an expert report, the expert I ordered and he was there this morning, the values I get tomorrow or Wednesday. Now I have read much neg. about the HDI, now totally shot that they pull everything into the length. How are your experiences? Or should I immediately a I’ve heard that they always make a counter-assessment? LG Curly

At the end of November 2014 I was driven up by someone waiting at a red traffic light. Since I could not detect any damage at first I left it while photographing the license plate and changing mobile phone number. Only 8 days later I noticed that the bumper is about 2 cm on the side. Since my free workshop did not want to regulate the damage due to pre-damage (cratter) without expert I agreed to the damage of an expert of the insurance However, the victim does not communicate with his insurance so that I now have a refusal of regulation by the opposing insurance company, because I cannot provide any evidence of participation. I have no witnesses, it has not been received by the police. If I call the opponent, he does not doubt the fact, but that it has been harmed. I am not covered by legal protection. I don’t know if it makes sense to hire a lawyer, as long as I can’t prove the fact that I’m supposed to cut this thing off under apprenticeship. Next time I don’t have any police if I don’t have any witnesses.

Hello, there is the possibility for many insurance companies to negotiate a so-called discount protection, in which one is not reclassified in the damage-free class in the case of a maximum of one accident per year. However, if one changes the insurance, this discount protection expires, because the previous insurance of the new insurance informs the “regular” damage-free years. That is, the protection obtained with the previous insurance no longer applies and one will with the new insurance The new insurance also takes into account all accidents of the past and ranks the new customer correspondingly high with the number of non-harmful years (formally, the old insurance actually ranks high one second before the change and informs the new high SF class of the new insurance). On the basis of the above explanation, therefore, a policyholder after an accident rarely has an employee. The change would only be worthwhile if he had an extremely expensive insurance so far and the new insurance would still be cheaper despite the increase. The discount protection is bought by higher premiums. An insurance without a discount protection is always cheaper than an insurance with a discount protection. Until the damage occurs, the customer therefore pays more than he or she has to pay. As a result, you have to look for a new insurance policy and you have to be upgraded in spite of the discount protection. Then you would have paid your discount protection (in the form of a higher premium) completely free of charge and the insurance cover would have to be paid for all these years (in the form of a higher premium). In other places it can be read many times that the insurance by the discount protection wants to bind the customer to itself in the long term, because after a damage case he will now have no special interest in a change (as a higher classification threatens). This argument is contradictory insofar as hardly an insurance will have a longer-term interest in a customer, which makes regular insurance payments necessary. In any event, if an insurance company cancels after a damage event or not. As far as can be seen, it is entitled to terminate. Thus, the policyholder enters into the hands of the insurance company, which is always profit-oriented. Even at the time of conclusion of the contract, the customer can never be sure whether he can actually use his discount protection in the event of damage. Moreover, the rumor persists for decades that all insurance companies in the Sc hadensfall strive to limit their services to a minimum. Discount protection – Just a marketing trap?

Hello, I have a problem with both insurance companies and I’m now looking for advice. It’s best to pick up a little bit and try to describe what the problem looks like and how it got there. In May 2009 I bought a new golf. At that time I was insured with my old A4 with my father at the VHV. Dh. Halter was me, UN was my father. Since the A4 was a V6 and very expensive in the insurance, it was classified as 1st car (SF25 of my father), my father’s car (A4 Kombi) was classified as a 2nd car (my SF4). When buying the Gulf, I told my dealer that I wanted to take over the SF4 into the VVD (VVD, because financing the Gulf). He said it was all no problem, that I should only bring the insurance documents to the copy and my father had to sign a cession declaration. Said done, since then there was no problem. But yesterday my father received a letter from the VHV that his car was classified on SF3. He is of course from all As it turned out, VVD wrote this (!!!) year a letter, after my father’s 1st car was at the VVD and now the SFs are to be transferred. In short, the VHV passed the SF25 to the VVD. The VVD did not inform me about the process, but we now find out this in the back. Very curious is the whole thing, because my father is not at the VVD. Which is also very funny, is the fact that the VVD a SF25 au It must be obvious to them that I am not allowed to have an SF25 with 26J!!! At the latest a letter should have landed with me, right? I will call the VVD tonight and ask. My big concern is that my father’s SF25 disappeared in Nirvana. Is the concern justified? My father also has legal protection (unfortunately I haven’t yet), he definitely has family and labour law. I don’t know if traffic law, it helps us. was it our fault that we did not inform the VHV ourselves to exchange 1st and 2t cars? In the future I will probably not be allowed to leave this to a dealer. It is not so much about the costs here, it is very important that my father gets the SF25 again.

Hello, maybe someone can help me further. We had a marten damage on the antenna of our Astra, the FOH repaired the damage, he had to change the antenna rod + antenna foot + cable up to the radio (dissolve sky incl.).In the end came out an invoice of 917 €. So now 150 € SB paid, 3 weeks later expert of insurance in front of the door.He looked at the expanded part and said there is only the antenna rod paid. In addition now two questions : Does anyone know if the Oilstar Assistance connection guarantee takes over an antenna damage? – What do you advise me to check if the FOh has not expanded too much? Because I’m pretty much at the end with the Astra: 70000 Km _ AGR valve , starter , alternator , complete brake system, headlights started, I already had all this changed. And with our Insignia it goes fast so , or even worse. Madness !