Category: KFZ-Versicherung Forum

  • Claims for fictitious disbursement partial cascade damage

    Since I have only found age-old threads with similar topics to my problem, I open a new one here. On my special topic and my possible demands regarding insurance: After a wild accident with manageable sheet metal damage a few weeks ago I originally wanted to repair the damage to the car professionally and have it regulated by my TK at the HUK. In a certified car body construction specialist company of my choice, I have a car insurance expli The insurance company examined my application, had a DEKRA report drawn up and then finally approved my application, even if it had been cancelled (co-painting in case of casco damage not replaceable). At the same time, with its approval, through a comparison of the works city, it also proposed one of its, because cheaper, references. In view of the diesel problem, however, I have decided that my almost 11-year-old S-Max diesel has EU4 not to repair the damage after all, but to have it paid out net net less my excess. However, the insurance company only wants to pay the amount of the proposed tax by about 330 euros, which is significantly cheaper than the amount of the proposed tax. Maybe one of you had a similar case. Do I have to accept this or can I insist on the payment of the approved estimate of my selected certified Wunschwerkstadt due to my contractually guaranteed and defined free workshop choice? What about my claims against my insurance?

  • Insurance Motorcycle and car classification?

    Hello together, I’m currently just riding a motorcycle and thinking about buying a car (probably: https://suchen.mobile.de/vehicles/details.html?id=308755516 or similar) in addition. Of course, this includes another car insurance. I have given all the data for a comparison portal, i.e. car as 2nd car (I hope I got this right) SF6 in the motorcycle (never an accident) partial cascade with 150€ excess over 5 years with the same Versic My girlfriend as an additional driver ADAC Member Year of birth 66 etc. I have selected an offer which is not the cheapest but of the price/performance ratio very good: approx., 365€ in the year As far as so good. Einfachzeitung also asked me what it would be like if I bought a car. I got a call in which I was told: best is if she had the P KW as 1st car and the motorcycle as 2nd car register and you made with the Anghebot: car SF6 partial cascade: 642,72€ a year motorcycle SF2: 206€ a year (currently 72€) I was a bit surprised and also unsure that both insurances are so expensive. So I ask: Is the offer of my insurance in the amount normal? Is the offer of the comparison portal elastic or is it more likely that I made a mistake with the information? If I have about the comparison portal conclude a contract, will my insurance (motorcycle) be informed of this and will increase the insurance contribution? THANK YOU and Greeting Caana

  • Parking Accident – 50% partial debt?

    Hello, I had an accident at the beginning of January on a Lidl parking lot. It snowed on that day, the place was full of snow and slippery. I drove into the driveway, left and right are then each parking areas (still add the sketch below). Directly in front of me a car set to park, backward in my direction steered. I immediately got on the brake, but because of the weather conditions did not come directly to the stand but slipped about 2m further. The other car did not stop the parking process and drove me into the passenger side while I was still slipping. The accident was taken up by the police. The accident opponent said she had already parked and stood. Both are with the same insurance and they decided now: “The accident opponent indicates that he has already confessed at the time of the accident. However, this cannot be understood after the accident analysis. On parking lots there is the principle of mutual consideration. Since you could not get to the stand, but have slipped further into the vehicle, both accident sufferers are liable to 50%.” For me this decision is not understandable at all. Mutual consideration to or from, more than braking I could not. Apart from the fact that I am nevertheless “flowing traffic”, and that it is at the time of the accident that I was able to If I miss anything, I would do the damage (3.7k€) via the UK, but I don’t really see that as long as no one can explain to me why I get 50% blame. I don’t have an RS.

  • Counter verifiers after the case of damage

    Hello guys, it’s about the following I’m more damaged I’ve had an expert report prepared and the car has already been repaired Now I get a letter from a third-party reviewer I’m supposed to make an appointment. I called on it You can like to look past the car is only already repaired Then said the lady in the office because the car is already repaired we can not come to you but they have to come to us then I explained to the lady that I was able to I’m an adolescent and I don’t have to go to the car and I work longer than they have open Now I wanted to know am I really obliged to drive to them now? Could someone perhaps call me a paragraph saying that as a victim I am not obliged to drive to them but that they have to come to me? Thanks in advance Lg

  • Period of use during Corona

    Hello everyone, I have the following question: Due to external faults my vehicle was driven to Klump a few months ago. Compared to the opposing insurance I asserted a claim for a usage failure. I did not need a rental car. Corona thanks to the stated replacement period of 14 days but could not be complied with (sale ban at the dealer, closure of the registration office etc…) How is the regulation usually in such cases? Sure, the opposing insurance has not chosen Corona, nevertheless this can not actually be my problem, can it? A certain deal was suggested, but maximum 2-3 additional days. Do I have to accept this so? Thank you for your reviews

  • ADAC does not want to pay recovery costs after accident

    Hello to you out there, for years I have been a member of ADAC without having used it. Today there was chaos with us in Bavaria. The clearance service totally failed. We live a little higher. I met a slinging car, so I had to slow down so that we did not collide. At my low speed the smooth mountain was no longer to “climb” – no chance to move forward. So it went down again, involuntarily into a sloping embankment. guan hung in the embankment and threatened to overturn. I was happy when I crawled out of the car. 5 minutes later the clearance service came – too late for me. Even he didn’t pack the mountain and had to scatter first to get up the mountain.Actually, one should sue the city. So far so good. The ADAC was informed that the Tiguan could only be recovered with a winch. The many snows prevented damage. Currently, only a restricted track can be detected, openly The ADAC says that I have to pay for the recovery myself, since neither a second vehicle was involved in the accident, nor the car was unfit for driving after the recovery.According to §16§ 16 Recovery (1) A protected vehicle has left the road in the scope of application of Europe due to a breakdown, an accident or in the course of a withdrawal (not yet in foreign ownership) and can only be carried out under special technical effort to tow or tow. Iterfahrt be made available In the general provisions of 01.08.2018 ) Recovery: A protected vehicle has left the road due to a breakdown or an accident in Germany and can only be provided with special technical effort for towing or further travel. We recover the vehicle including luggage and cargo – but not animals and commercial goods – by an ADAC contractual partner. It seems that the employees of “above” received the order a few weeks ago not to pay the recovery costs anymore. Yes, where do I live – they lay out your regulations as they want? Has anyone here had similar experiences? v.g. Uranus09

  • Car insurance has just terminated me on 01.01.2019,

    Hello, Is there people who know something like that and can tell me what else I can do? On 26.09.2019 I received a message by e mail from my car insurance company with the cancellation on 01.01.2019. First, I know the insurance company can justly terminate the deadline, as policyholders can. The problem is why I do write, I think everyone knows it’s a huge difference whether policyholder is canceled or terminated by insurance company No, there were no arrears. Contributions were always debited on time by insurance. No, there have been no accident damages for me for 6 years. Also no Flensburg points. After repeated inquiries with my insurance because I did not leave any rest, I was informed of this. The cancellation was due to the cancellation. Internal business policy decision. Further they did not deal with it. How to understand that? I had made another attempt, had read in internet of termination return. Was rejected. I can now not get a new insurance anymore. I probably got into a mill wheel, rattled in and doesn’t know any way out anymore, or what do you mean? Problem is with a new insurance has to be specified whether to cancel or to cancel insurance And I’m right down there, I can’t get anything anymore. Because everywhere is only assumed to be the most negative thing there is. That there are also dismissals for which a policyholder can’t do anything anywhere is mentioned. I’m dependent on car and that on career paths. But can call me unemployed because nowhere else can get anything.

  • Claim for compensation due to breach of obligation

    Hello together, I would like help with the following case. The following happened in 2017: – Vehicle owner (= policyholder) gives his car to person B (driver) – Driver causes accident (bleach damage) and removes himself illegally, but is observed and reported to police – Insurance policy was NOT approved for foreign drivers Insurance regulates the damage to the foreign vehicle, upgrades the vehicle owner and reimburses him retroactively. End of Dec November 2018 (i.e. almost one and a half years after the accident) the insurance company now registers with the driver with the following wording: “…because you have infringed the GTC in your contract concluded with us, we ask you to pay the regress claim in the amount of x Euro within 3 weeks.” 1.) The driver is not in any contractual relationship with the insurance. How can the insurance then rely on it? 2.) According to Google results, the insurance company Regressansp now almost 1.5 years have passed. Can anyone bring light into the dark here, whether, and if so, what exactly to do? Thank you very much! Martin

  • Accident with hit-and-run – HUK does not want to pay expert reports

    Servus, this is what happened to my friend: someone drove her to the front left of her Audi A3 last week and then ran into a driver’s escape, so the perpetrator is unknown. My friend then went to the police and reported the damage to your car. Now it’s the case that you are insured with the HUK Coburg with the so-called workshop binding and who sent us to a partner workshop. The workshop said: We can already prepare an estimate, recommend abe r prefers to have an expert report given that the amount of damage “wide” is over 3,500 EUR. The police also estimates between 5,000 – 10,000 EUR. I then called the HUK Coburg again with the info and apparently came up with little love for the word “expertise”. I would like to hear that the HUK is responsible for the instruction and – I quote this now really literally – “an expert report is only made in case of a total damage”. I then told her that I had this sentence of yours exactly as the Let’s see what he says. The HUK refuses, because she sees herself as entitled to instruct (as a result of the workshop commitment unfortunately also at least in places correctly), to hire an expert. Do you have any tips? Should we just hire an expert and then charge the costs? The vehicle is Bj 2017, has 20,000km on the clock and has been accident-free and also financed by the Audi Bank. we like to have the amount paid to us via fictitious billing, because we know a very good Audi workshop personally well, which also professionally repairs it to us. It is just not a HUK partner workshop. We are very grateful about every help and tips 🙂

  • Change of insurance and cover card

    Hello experts, I have quit my old car insurance on 31.12.. Since 1.1. I am with another car insurance. (=change of insurance) Now I received a “bad” letter from the registration office. The (old) insurance has announced that the insurance cover ends on 31.12..12.. Since I am not insured, they give me 3 days time to hand over the signs OR to submit a cover card. Otherwise, costs up to 1500,- € and decommissioning of the vehicle… I fell out of all I had never taken care of a cover card, because I only change the insurance. (covering cards, I thought, you only need for a registration/re-registration) The new insurance company then, on my initiative, sent a cover card to the registration office. Then the procedure was stopped. I received an invoice of 45,- Euro from the registration office, which I should pay now – together with the indication that I could pay the Ask: Am I responsible for presenting the cover card to the admission authority (uncertainty does not protect against punishment) OR should the new insurance have independently informed the admission authority??? Greetings Fan.