Category: KFZ-Versicherung Forum

My brother has not been driving a car since April 2004 for health reasons. I last had SF 17. I have this year SF 5. In fact, I drove my brother’s car often myself until April 2004. I finally found an insurance policy that would be ready to transfer the SF class even among siblings without the same address (have a telephone confirmation): ASSTEL Is there any other thing? How is such a procedure with transmission? the SF-Class? PROBLEM: In the online computer it is asked: “Leader’s license date” I had the “Lapp” for 8 months until January 2002. So now a new one with exhibition date January 2002. Up to this invoice I have the driving license since 1987. Related in mid-2001 a liability damage. Can this become a big problem? An insurer automatically finds out (e.g. from the pre-insurer) when the current driver’s license was issued??? Or can I get everything easy through, just as I imagine?! I am very, very grateful for all the tips on my tricky case!

Hello dear community, I have driven a truck in my parking car. The vehicle is a winter vehicle (Skoda Fabia BJ 2007), with exactly 100,000 km, runs technically very well, accident-free, is of my grandfather I am the 2nd holder, super clean workshop history. The opposing insurance has had an expert report from TÜV Rheinland, the vehicle was classified as total damage (since the repair costs the replacement value by more than 30% over All right, then, the workshop (where I took the car) also has to give me zicky costs. But what I have a problem with is the replacement value. Since the car is so old, adequate replacement would not be to be obtained via a dealer but only private (in addition, holders and equipment were not taken into account according to the report). Now a value was called here, which I can not understand so, or at mobile is the cheapest accident-free vehicle. I know that I can’t afford to sell the history technically and emotionally. But I don’t get an adequate replacement for the money I’m calling for. Now, to my question, how can you read it out, it’s about lower values, it’s worth arguing with the insurance here, if necessary even consulting legal counsel. en? What could you do, download Schwacke / Mobile Screenshot and resist? Or is that hopeless? I haven’t talked to the insurance company yet. Thank you in advance. Ben

Hello dear ones, I hope for advice and action here, because I am very confused. The following accident happened in mid-Dec. My vehicle Kia Pikanto ca 12.00€ BJ 2019 parked on a normal road which is however a bit narrow in turn. At this place where my vehicle was parked, another vehicle turned us to my wheelwheel so that paint scrapers and a dulle arose. This process could be watched by a witness who called the police. The police put a card on my disc because (I was at home and didn’t notice the accident) I made a complaint about a hit-and-run witness and I made a statement that the perpetrator refused any statement. An expert report (460€) on the damage (2,650€) sent to the police and a lawyer and in March 2021 I received a letter from the prosecutor that the proceedings were terminated in accordance with § 170 ABS. 2StPO. Additional the lawyer was not able to contact the opposing insurance yet or has not yet registered the opposing insurance. Although I received a letter from the insurance company that my data was taken up, but no more. Now to the actual question: Who will now take over the damage regulation and the costs for the expert report when the proceedings against the polluter were closed. There is even a witness to whom I am infinitely grateful that he has reacted so, but I guess that doesn’t have any value in the present day if the causer or the insurance doesn’t have to cover any costs. Maybe someone can help me which way I can go now or maybe someone has a few tips for me. I would be very grateful to get help here. I’ve never had a damage to my cars and now such a complicated case. I’m absolutely over-fed with the situation. In the appendix I add the letter of the prosecutor’s office. real protection at the Ergo I have, but have not yet made use of, if that helps. I thank everyone who takes the time to help me and wish you a nice evening.

Hello, unfortunately I recently had an accident with my vehicle without fault. According to first estimates, the damage amounts to approx. 15,000 – 18,000 euros. (exchange of side part, door, bumper…). However, a detailed report is still pending. Now you hear again and again that it could not be worthwhile to have the vehicle repaired and to make a “fictitious billing” with the insurance. My vehicle has a replacement value of approx. 36.000 euros after own Reche After only two months ago I had to repair a damage in the amount of around 6.000 euros, I have the idea of having to separate myself from the vehicle. Both the “stress” with the repair, but also an all-round patched car are causing me headaches here, maybe now is the right time for a restart. How is the right procedure here? Thank you for your help!

Good day, last week someone went to the rear (value estimated at 4000€). I had to stop because of traffic and when I was already standing it happened. The guilt question is therefore clear. The causer has already reported the damage to his agency. He now writes me that I should go to a workshop and also send photos. O Ton: An expert would not be necessary, because the workshop also knows what has to be done. Why should all want that be clear. There is little to see on my car except for a few scratches (what’s under there, I don’t know yet) and I play with the thought fictitiously offsetting if there are no surprises under the bumper. Ask yourself, what is the difference between an estimate and an expert opinion? If I calculate after an estimate, how do I measure the impairment? Greetings Vitali

Hello all, I have reported a comprehensive damage to my insurance, submitted an estimate. 2,100 €, the insurance has confirmed by letter a repair release up to 2,200 € in writing. I then called and asked for fictitious billing / payment. This was confirmed, however, was paid massively less: My invoice and knowledge: 2,200 € abzgl. 19 % VAT, abzgl. 300 € excess, makes approx. and rounded off a payout i.H.v. €1,482, the insurance only paid about €850. What can you do about it? What is right / correct? Thank you for the help. VG

Due to an accident with total damage I have to ask “more specific” here. Is it even allowed to make more money than the fixed residual value of the expert? The residual value was fixed at 220€ and I sell for 4000€ (only hypothetically), then I make an additional income of 1800€. Is that allowed? The expert told me this when I was there at the review. I repeat the O-tone: This comes into a residual value exchange, then people offer dara You can then sell it to the highest bidder, but you are not bound by it. You can sell to anyone you want. If you find someone who pays you 100€ more, that’s good for you. That’s why I assumed that this is allowed. In a letter from the insurance company, however, it says: “The damaged vehicle remains in your property. In the case of total damage, you are obliged as owner to fix the vehicle wreck. I want to act only 100% legally and if it is forbidden to sell the car for more than the residual value, then the search for a buyer that offers more has taken place for me and I sell it for the determined residual value of the expert (to the bidder of the residual value exchange). On the other hand, the e Formulation also quite unclear…on the one hand, I am obliged to sell the fixed residual value, on the other hand, a “or.” comes to my credit….between the first part and the second part after the or. lie quasi worlds.

When I was driving on a car, the trunk had moved. We did not call the police. I tried to reach my insurance. Nothing to do. The hotline was constantly busy. Then I ordered a tow truck at the ADAC. It arrived quickly. My car was then parked on the yard of the tow company. There I then reached my insurance. Then all the data from me, from the driver of the car on d I’ve also been interviewed by the driver of the ADAC tow truck. We have received processing number, telephone number and e-mail address for queries. That’s two weeks ago. An expert has looked at my vehicle. My car is still on the yard of the tow company. My vehicle is a Ford Fiesta, I have been driving for 14 years and has almost 200 000 km on the speedometer. And according to experts it is a total damage. That’s how the employee of the tow company g I’m sorry, but I don’t know what I’m saying. I’m sorry, but I don’t know what I’m saying. I’m saying that when the expert examined my vehicle, how will it go on? I still have full coverage! Must my vehicle stop there now? Or can/should I hand it over to a car recycling company. What about the free return obligation of the car companies? Thank you for your answers.

Moin together. The following fictitious constellation: someone sells someone a car. Car is logged out, the insurance gets the registration confirmation. The buyer wants to return the car after a few days he does not have the remaining purchase price The car has still been notified to him, so a withdrawal is not a topic. Does the ex- and now re-owner have to return to the pre-insurance, or can one look for a new insurance? Fact is yes:When logging out: Is a vehicle logged out and scrapped, The registration office then informs the insurance company about the registration of the vehicle. The contributions already paid up by the end of the year for the car insurance will be returned to the customer. The basis of assessment for the amount of the refund will be the date on which the vehicle will be refunded at the end of the year. If a new vehicle is registered on the holder, he can take out a new car insurance with his previous insurance or with an insurer of his choice. In the case of a car change, the damage-free discounts are taken over by the new insurer. As proof of the already achieved damage-free classes, the last present contribution invoice serves the expired old car insurance. Insofar: what if instead of … new… the Old one at the door?

Hello. I have the following problem at the moment. My current car needs so slowly an urgent time off, which I also want to give him, therefore I want to unsubscribe and impute it. Now, however, the problem with the damn insurance is. I want to get a “new” used one in October and prefer to allow it with another insurance, which now already costs 70 euro less in the quarter, despite much larger machine etc. I have already read that an end to the existing insurance should automatically come into force with a withdrawal, but the question arises to me, since a change is actually only capable at the end of the year, if my current insurer could not cross the line? MfG