Category: KFZ-Versicherung Forum

insurance before registration fooled hi, I’m still going crazy! first of all to the situation: I have now that first car that should be insured on me. I’ve been looking for a cheap insurance. by a work colleague I came across a woman who works at the German estate consultancy and advertises for achener and münchener. I was at hug coburg: 15tkm in the year, 150€ self-participation, other drivers are allowed to drive –> costs me 1577euro in the year. then I was 2 times at the wife of Wett-beratung. und die mir 1200euro im jahr ausgewählt. ich dann doppelkarte geht und ab zur Einlassungsstelle. drive now 2 weeks with the card without a fixed contract to sign. (since she was on a hot holiday and so on and so on and immediately) now she calls me and thinks her is a mistake (she thought I was older than 23, although I was with her 2 times and she asked me the first time I was born and then asked me how old I am!!! 19 !!!!! at the 2nd time she asked again for the birth date). instead of the 1200euro I should pay 2800Euro in the year (if I want to keep partkasko and more) then I turned down the shit and then she came with her super-duper offer. 4xxEuro per quarter without partkasko, without my other wishes and with only 9tkm in the year ) she meant to me now I have to stay with the insurance. I meant only neoöö, further dream…… I will not drive at first, until me n car CORRECTly insured. so, now my question, how does it look now? can I just go to another insurance and get a normal insurance or how? what? where? after all, I have my car with the double card approved by her. hope to understand. actually has something to do with cars. am just sour now! and now I want to know how it goes on. mfg

For all those who want to change (or at least want to know where their insurance stands at the price): The catalogue of the Stiftung Warentest comes with a comprehensive insurance comparison.http://www.test.de/

As read, I want to have 18, a beginner car, the price can be up to 10,000€. But it should not be as small as so n 500 or VW. Hold little PS but that it looks sporty / awesome. For example, the PT Cruiser would be a good start car or the Dodge Caliber. So what would fill my equivalents PS: needed is important as beginners

When we went back to the car, a construction worker on the other side of the road pointed out to me that just a woman in a sky-blue small car (from the license plate he only saw the place) hit my car while parked and then drove fast on. The rear bumper is pretty scratched and in the sheet metal is about 20 cm long and 2 cm deep scratch as well as some scratching. r. In addition, the paint is peeled off at one point. Actually, the thing is clear, driver’s escape! But: I parked at the station on a disabled parking lot (the woman was also standing on a disabled parking lot) and the parking space was very tight. So not mirror to mirror, but so that my buddy had some problems getting off. I think that I will look around the parking lot a little bit the next days, if I can find the car. Now I know from he is not to make an advertisement under the given circumstances (disabled parking, narrow gap) at all. What can I get? Do you have experiences? What would you do?

Moin together. My father has always insured his car with the HUK and stated 12000 km of driving power at the time of the application. The last one was a rempler and due to the damage signs we also had to indicate the KM stand and it came out that we had exceeded the annual driving power of 12000 km far. On average 28000 km came out. My father used to drive more than today. If today still 10000 km come together this is already a lot. We have now received an additional supplement on the change in driving performance. They have chosen Class 4 (20 – 30000 km). This results in an additional contribution of 100 € per year. Are we still able to get away with this? If we were to reduce the driving performance again next year as they are currently also we would have paid only 100 Euro more. Or should we contradict the supplement on the grounds that the multi-speed services corresponded to the first years and since then only few r than 12000 km a year? Could the insurance still ask for a contribution?

Hello together.. I have mentioned a problem with an insurance, A few weeks ago someone drove me into the car, ( in my truck ) debt question is settled, opponent is to blame. BUT, my truck has a repair cost invoice from my expert 13000€ residual value is 6300.€ But since my car is in the 130 % regulation, I can have it repaired. That is not the subject.. Only the insurance paid me only the residual value. What I do not agree with… I have to have the car repaired. What I also had done (no workshop) is by a friend of the body builder. Now the insurance company has sent an expert, from which his report has come out that my car has not been professionally repaired… I DO NOT have used all new parts. My question, before I go to the lawyer.. Can I have an expert report on their costs?? Do I have to use new parts?? Or have I used the car. Least cards to get the rest of the insurance??? are still about 700€ How, what should I do?? I thank you for every tip VG Mario

Hoi, I had a wild accident without wild contact. I braked on the animals, a few decimeters in front of the car jumped away the WIld pig, and since it was a curve + wet + leaves I slipped into the guardrail. With about 10km/h. harm: www.more4pc.de/argh.JPG so: Now it is doubtful whether the insurance pays. Expert was there today, and thought it would be a financial total damage.What now? Let’s say residual value of the car (before the accident): 1500€ Repeating costs: 2000€ Car value now: 100 Do I get the 1500€ and can I keep the car? Do I get the 1500€ and have to give it? Do I get the 2000€ and can I keep the car? Or do I get the difference between old and new value? (500€) Since the car was previously driven by a pensioner and has no repaired damage + a top engine, it is worth pers. more than the residual value. Would then rather take the 500€ and fix that somehow. mfg röwe

Hello together, due to various online insurance calculations, a fundamental question now arises with me: Under what conditions does the damage-free discount of our car liability change, if soon our 18-year-old son is added as an additional driver????1.Case Suppose I already have a car liability with e.g.SF2 (85%): If our son is accepted as an additional driver nothing changes at the SFR 85% and the liability fee increases vergleic hrsig moderate from 315.-EUR to 479.-EUR:2.Case The Fzg. is insured as a second car with SF2 (85%).If our son is accepted as an additional driver at the same time, then the liability climbs to SF1/2 (140%) and thus from 315.-EUR to 789.-EUR!!! Must the second car contract first exist a certain time, so that this SFR change does not take place to 140%?3.Case The Fzg. is insured for the first time with SF2 (85%) on my wife. If at the same time our son as an additional driver If I have been admitted, then the liability climbs to SF1/2 (140%) and thus from 374.- EUR to 936.- EUR!!! Does the contract have to pass on my wife for a certain time, so that this SFR amendment does not take place to 140%? Obviously it is also the case that the SFR percentages do not correlate with the EUROs actually to be paid and many other factors play a role. I was surprised to hear the following: – if in my existing insurance the Filius as an additional factor – if I take out a new insurance policy (e.g. new second car or new contract on my wife) and add the Filius, then it will be really expensive! Am I completely on the wooden way with these online calculations??? Who can bring some light into the dark for me??? Thank you for your help Gerhard

Hi, have the following situation with me: am 25, FS made at 18, so anno ’99. our old and the current family coach(s) have always been insured over my father (zZ SF7). Now we want to get another car, so that I don’t fight with my dad for the only existing one, or he leaves the fingers of my “astrid” *g* I was in as a driver since 2000 in senen contracts and our cars were always on me (holder) from 2003 on. -> I dami t actually “worked” any SF class already? if yes, how do I keep this for the next insurance? or do they regulate this among themselves. is maybe already more than SF2 in it? or can I forget everything and prepare myself for an entrance with SF a little (and expensive)? then the insurance would come as a second car with our current insurer cheaper, wouldn’t it? mfG

Hello, I had an accident the day before yesterday, accident opponent drove me backwards into the front bumper, My car was standing (engine off). So the question of guilt would have been clarified. Unfortunately I already had some discussions with the insurance of the accident opponent (Allianz). My car is 16 years (Audi 80), front the GRP bumper is broken a cross-carrier pulled in the grill and the bonnet is a little cross-carrying and no longer closes. Now after accident I have at A llianz called, there a lady told me that I should just go to Audi, have an estimate made, and then I should hand it over to Allianz. Now I was with Audi, who said it was a total damage, looked at it very briefly from the outside and meant so easily around the 1200€. Then he called and asked the dealer for the purchase price of the car, 500-800€… Then I called the insurance company and told them that it might be a total damage, what I should do now(wa r probably a mistake)… That’s what the guy explained to me that I should wait for mail and then in case of a total damage an evaluator comes to use anyway. Now my question: “This is not just an Audi 80 that you could buy for 800€, there are various beautifications and technical improvements built in.” I just wanted to know if I could somehow get the money for the repair costs and not the residual value of the car?!? And how is the last endli I’m grateful for every tip!! Vll. can you come up with the argument that they should let me make an estimate and that they should simply pay because it comes cheaper than an expert + the residual value of the car? Would that be possible? After all, they save 16% again because they wouldn’t pay out the VAT. What should I do?! Greeting C.