Category: KFZ-Versicherung Forum

It’s about someone who hit my mother’s door in the car in a parking lot on Saturday and created a macke. (I can’t take care of it until today) On the subject as My mother told me on the phone. On Saturday, a man knocked out the door in the car carelessly as she got off and she was lucky that she was standing near and heard this. After some discussion, the Lord has urged his son to join us. How does the other insurance company get in touch with her? Or should she now go to a workshop (expert) and make an estimate? Or should you settle it outside of the insurance company (is this still possible) if my opinion is fictive invoicing best. (car is 8 years) so call the creator? PS like long it takes for the opposing insurance to register? dear greetings to all

Hello together, would like to give my Filius access to my car on his 20th birthday. He now has a driver’s license for two years. Since my current insurer does not offer all-inclusive due to the age of my son, I have negotiated with them a special notice right, and can look for a new insurer that also offers all-inclusive with young drivers. I still know someone a cheap car insurance that is not listed at Check24 or other comparison portals i Thank you very much for your help.

First of all, a good day doesn’t explain me for stupid or scapegoaty, but I’ve never experienced anything like that before. The following problem.I had to run with an insurance company, my car like 5 other insurance companies. There was, among other things, my SF class 6. Driver’s license is 2010 .Since these have now changed all the consultants and the new, me constantly called for new contracts, I have cancelled this insurance within the time limit. lbst offer, and this runs over the HUK. Everything as far as ok.You wanted to see old contracts etc.It was registered at contract conclusion SF 7. With the please to take over this as well.The further was a damage freedom year with specified by the consultant.This is part of the new insurance.So that you are not regraded in the first accident. And now comes what sounds like from a fairy tale. 2 weeks after request I asked when a police comes. What car is logically insured.First post as discussed on the spot was debited.4 days later I had a slight accident at the park.The insurance took over this .2 weeks later I get the police.It’s in there SF 1/2 . On that I am to the consultant to ask what this should be. He phoned the HUK and said as follows. The old insurance only passed SF 3. The SF 7 was only with the so since I had more contracts. And then why did SF 1/2 have this free year.Then he said that the old insurance only gave SF 3 further, does not apply the year since this is only starting from SF 4. I have to say that sounds funny to me.Had already paid a contribution and waited for the new.Payment is 1/4 year.You had to debit in Feb 2018 .Until April 2018 nobody debited.On many questions was told that they sent me mail which could not be asked.Ma Now 4 days ago a letter came where it says that they want to have 638 euros from Feb to today. Well, seriously is this all so right?My car doesn’t come through the TÜV wants nothing more stuck in it.If I have to take this insurance again if I have a new one?Or is the contract expired if the car is registered?The amount I want to pay of course would be great if a hel fen may:

Hello, I have a big problem. I did not pay my car insurance on 2.10, because I changed the job and the load insurance this month was tried to be debited. I only got a warning + immediate cancellation on 20.11.2019 in the house. There were no reminders before, and I was not informed otherwise. It is the *V*4 online insurance. One day later the registration office was already informed and I was set 3 days in time. The insurance only came on Friday, SA/SO does not work at all. In the letter of the insurance it reads as follows : Quotation: Herewith we cancel their car insurance with immediate effect, the amount 124,XX€ is to be transferred immediately … at the end however stood: “If you can transfer the amount within 30 days you can see this letter as contentless.” No matter what I do, the amount I have to pay either way isen. So exactly 1 day after writing I transferred the money. It went on Saturday to 100% ONE. In November was not even tried to debit the amount, although there was enough money in the account. Talking about the current state I have an open bill, that would be for November. They did not try to debit. I have already paid the missing for October. Now I look into my online banking and see it is tried to debit for 1.10, 1.11 and 1.12. 285 Although it would only have to be 95.00€ for November. Why the devil is already invoiced to me December and an invoice that I have paid LONGST? I have written 5 emails to the insurance with the request to request the EVB and notify the district administration. It is NOT APPLICABLE. So I have taken out a new insurance and would like to stay with the new one, as I have a MENSCH as a consultant with which I can contact you. I have written the following to ALTEN Versicherung. Please refer to the appendix. Is this right at all, and is there NO contact person I can reach?

Tach people, my cousin with the same last name had an accident with his car without fault. The selected expert came, and examined the car. In principle, these are metal acheeds, on fenders, rim, bonnet and headlight. Absolutely no damage. The car was now declared as total damage. Replacement value 3500 Euro, minus residual value 550 Euro, are 2950 Euro which he would get. The Gutacher meant, if you know someone the self-stä In other words, from the point of view, otherwise the opposing insurance company would still want to see the car, or offer it to the market itself, so that more money is generated, so that the insurance has to pay less from my own pocket. If I can buy the car as a cousin for 550 euros, however, would not be a self-employed person, i.e. private purchase. What does it mean if a car is spent as a total damage? Could even my cousin the W if he would let one or the other do it? Even if he would pay off on a total damage basis? Can mab keep the car under these circumstances? Replacement period 12-14 days and 59 euros according to expert opinion, is there ONLY, if one buys another vehicle? Greetings

Evening, is there someone here who works with an insurance company or knows how to do it? I just had a 25min conversation with an insurance company and am rather perplexed or even a little shocked if it’s all right. Things that were said: – I can’t insure a second car as a second car (although I have indicated a damage to the ovated driver), if I still have an old unused contract on which the damage happened and even though it happened by stating the It would be cheaper for me, according to Mr. Insurance Fraud. – My girlfriend had a damage last year with a vehicle registered on me, the car was sold, I would like to register a new one. Now it has been claimed that I will be punished 3 times. 1. Because my SF sinks, logical. (+200 euros per year) 2. Because I have to report a damage to her in the last 3 years, also logical. (+ 50 euros per year) 3. Because I for me also has to indicate a damage, because it was my car. (+150 euros a year). Not logical for me, because that says already the SF class, that there was a damage? In the end it would have been cheaper for me if I had built an accident, than the person, who according to the contract “rarely” drives the car, which is already illogical for me and I will be punished three times for a damage. (Now I just noticed when writing, that would mean that d if I am registered as a driver somewhere now, then an accident must also be indicated there, because with my car someone else has built an accident…?) – If I would cause a damage, the SF will be shortened and I will have to tell ALL insurances with which I as a driver is stated that I had an accident? And then with x people with x cars the insurances (including my second car) rise?! For what then are there SF classes? (or do I even have to have that now) t because that happened with my car? See thoughts in the parenthesis about it)

Hello, I’m about to let my first own car. I’ve been driving the driver’s license for 17 years and I’ve been driving a lot of different cars, just not mine. Unfortunately, you’re not better with the insurances than with 24… 🙁 Now I’m faced with the following decision: Premium or direct insurance… In direct insurance I got a very good offer from the WGV – according to the circumstances, but it’s a direct insurance which is always torn away. And with the indication “Preinsurer has quit” you can carry the gold bars to the company headquarters with the SF-Class 1/2 (or then 0) and still fear that they will take one… (Or is that in truth much less bad than you read it? Always complain about the 1% with problems, the rest remains silent…) Then the alliance as a premium provider is still in the room with which I directly enter the SF-Class 4 If I were to use my girlfriend’s contract as a reference, it would still be almost 40% more because I would have to take the premium tariff for CAP cover (leasing). What would you do?

Hello, I plan to get myself a vintage car in the coming weeks or months. I also have my own garage with gate. Nevertheless, I would like to insure the car and all my tools, as I would like to take time to restore and my help also can not always. The house supplies also do not intervene, because the garage is 15 km away from me. The company where I rented the garage also offers nothing and also has no idea how to insure it. At Google, I came across the obligation to pay rest insurance, but after several requests from different companies, I had to cancel and that there was no such thing.

Hello dear community, the following has happened: I got a slightly cheaper car insurance via Check24. Last Friday, with the beginning of June. The check 24 employees sent the cancellation of the old ones out and from the new one I received a welcome letter. All this happened on Friday within an hour. Yesterday (Monday) I caused an accident. My old insurance thus pays the liability damage and my VK damage. Must I ever have This is what the old insurance company does. My lawyer said: “do nothing”. The new one will probably increase if they get it. Should I leave it all that way now? I’m afraid that another insurance company would be cheaper after an upgrade. And on the margins: Can an insurance company also refuse a VK damage if it gets too expensive? Thank you very much.

Hello, I have to decide in the next few days and would need ev. help: I am currently with CosmosDirekt, currently with SF 15/16 (HV/VK) and discount protection. In 2014 I had used VK and was not reclaimed in 2018 because CD “up to 3 damages” granted since contract start. After request which SF I would get confirmed during the potential change, I got written: “SF 15/16 for 2019”. On my further question, whether ev. pre-damages were taken into account, I received so far Unfortunately, no answer. Then, after several attempts, I reached the CD hotline and received the following notification: The incident before 2014 would have no influence on the current SFs, because it did not take place in the current year (?). I would have expected that through the 3-year clause in the discount protection ALL damages from the past will be passed on. Can many confirm that older damages especially at CosmosDirekt no influence on the current SFs ha I would be grateful for PERSONAL experiences from people who have made such a change. I would be grateful if you would refrain from general remarks “what happens to old damages during the change taking into account discount protection” – these rules are known to me. Usually, however, insurers offer a damage per year free and CD exceptionally 3 damages “life long”. Thanks in advance!