Category: KFZ-Versicherung Forum

Hello, I ran a deer a few days ago in front of my Ford Fiesta (partial cascade), nothing wild only a minor damage (front bumper, bonnet, headlights etc.) on my car. Before that was actually my first “accident”, which is why I am currently a little overburdened. I reported the damage to the insurance and am the next day in a Ford contract workshop to have a cost estimate (KVA) created. According to KVA repair costs amount to almost 4000€ (vehicle) The next day the insurance company sent by an expert who also examined the car in the undistorted condition. Yesterday I received the expert report and the expert set the repair costs at almost 250€, so that we have a difference of 1500€. I compared the expert report with the KVA and the difference arises from various points: -Various settlement prices -A part was not mentioned by the expert in the expert report, w However, even the workshop was declared as a defect and should be replaced -In the report no costs for shipment of spare parts (e.g. drive to the paintr) or disposal costs were calculated How do I proceed now? I want the vehicle repaired and no fictitious billing.

I called the police and reported the damage. Police officers took the damage and then said that they reported the damage to the city and the city sent me an invoice, which I then have to settle. So far, so good and all done. Does anyone know how much would cost about that? Could the city turn to my car insurer and claim the damage or something like that? I have quoted a website as follows: “The claims for damages for damage to the road sign regulates the liability insurance of the causer of the accident.” Thank you in advance.

Hello dear motor talker, on 30.01. my parked vehicle was damaged. The cause of the accident was able to find me and I informed the police. The damage was so great that 6 days later (i.e. on 05.02.) an expert report was issued to me since Tuesday, 09.02. It turns out that the vehicle suffered an economic total damage. I then turned on a lawyer on the recommendation of the expert, who is interested in everything. In the report there is a residual value X. This residual value X pays me a buyer who will pick up the vehicle on Saturday, 20.02. Therefore I can send the sales contract to the lawyer only on 20.02., so that he has all the documents to send it to the insurance, so that it settles the difference. Between the 30.01. and the 22.02. (Since 20.02 is a Saturday, the lawyer sends the documents away at the earliest on 22.02.) however lie over three weeks. Do you still think about the timing of the damage? Think that the time span between damage causes and the creation of damage compensation is too high. Greetings, Lenny

Hello together, I have the following problem: On Whit Monday I got into a hail, in which my partial cascade-secured Polo V 1.2 TDI (BJ 2011) was completely smashed (disc on passenger side jumped, bonnet and roof completely smashed, sides also slightly affected). The expert then determined the following: for mileage: 133,400 km replacement value taxed difference: 6,600€ (6,445€ without tax) repair costs: 8,641€ –> so economic total damage He ha t then the car was hired at one or two residual value exchanges and the highest bid was 2,555€ –> Thus the insurance paid me out the following: 6445€ – 2555€ – 300€ (self-employment) = 3590€ Everything was nice and good. However, then when I wanted to sell the car I found out that the expert at the residual value exchange had lost at the mileage by 20,000km and had entered instead of 133,400km 113,400km. I reported this to the insurance and then have which said that it must be re-set by the expert with the correct value, otherwise the binding offer may not be so binding (because the dealers would have assumed a different mileage). I understood and understood everything as far as possible. But now comes the height… The new offer to the higher mileage are up to max. 3100€?! –> i.e. the insurance told me that I would get more now and therefore the difference between 2555€ and 3100€ of the insurance must be refunded if I sell the car. Now I am really confused. How can this be that I get less now, although the car is worse so stated before? May they interpret it to my disadvantage… doesn’t this have to be borne by the evaluator who actually made the mistake. Usually the car would have been reinstated at the earlier time (where the demand seems to be worse than r) and it’s not my fault that this has now been reinstated later and that the demand has increased… If the evaluator had not made the mistake at the time, then there would have been no second residual value investigation and thus probably worse offers would have come out at the earlier time, so why should I now bear the error? Has someone ever experienced such a thing or does someone legally know each other… I am in the meantime really over Orders… Thanks for the answers! Julia F.

Hello, I’m kind of on the hose at my first car sale. The situation: My current car is insured with Insurance X and is sold privately in the middle of the week, i.e. papers go out for cash. However, since my new car is only available on Friday and I still need my old one including Friday, the handover is only made on Friday evening to the buyer. I already got the papers for the new car today. As far as so good. I would only like me n keep the old license plate and take with me to the used car dealer to whom I have to drive by train. Does this work that the buyer gets the papers from me on Wednesday, but I will call/forward at my insurance and registration office today and walk the old car for “from Saturday” quasi off? I think as I said totally on the hose what I do best in what order and most cost-effectively. Can someone help me 😀 ? Thank you very much about in advance.

It is about an accident and a now threatened lawsuit at the Landgericht in the five-digit range. Since the Landgericht unfortunately has legal force, I can / cannot defend myself. Therefore my question, whether someone knows a legal protection insurance, which can still be taken out despite a closed damage case, so that I can get legal advice

Hello dear experts, what has happened so far: A bus roamed my parked youngtimer 6 weeks ago. Side part in the back large area pressed and painting massively damaged. The accident was taken up policely, guilt question clearly, opposing liability will pay. The expert of my trust estimates the damage in his report to net 3,400 euros, replacement value 6,500 euros tax neutral. The rear side part would have to be for a professional and appropriate repair On my part, accounting is planned on the basis of an expert report, as well as timely repair by the paintr of my trust. The opposing insurance does not accept the repair route mentioned in the expert report and sends its own “expert” via carexpert. The Hansel was there today and saw the damage. I assume that he will degrade a 27-year-old youngtimer in real condition 2 to total damage. very likely to give to the lawyer: Do I claim to have insight into the opposing opinion? Or can my lawyer ask for insight? Thanks for reading and thinking.

Evening, I don’t really see how it works with an insurance change for beginners, mainly because of the SF class. Just a few data about me: – Geb. 07.07.2000 – Driver’s license: 19.04.2018 – First car insured on me: 26.03.2019. Since I have my first car, I am insured with the LVM with SF3, because my mom is already longer there. However, the LVM is relatively expensive, so I would like to change (89€/year at 9000km). i of course a special discount, which can not be taken to another insurance, is also in the contract. Last week I talked to someone about my insurance, who said that if the insurance change is attempted to pass as much as possible SF class to the next insurer. Then he said that I would have SF1 if I changed to 01.01.2020. Now I have written with someone from Verivox customer service, which he after I wrote again that I am a novice driver, he said that I had SF0 with a change. In the Verivox comparison the CosmosDirekt with base protection SF1 was about 157€ cheaper. In addition, there would be 60€ cashback. I would of course rather believe my insurance, and ironically change directly, but by now I really have no idea who to believe and what to do. I hope someone here can give me help, thank you in advance But please don’t come here with SF2 when changing to LG Niklas

Hello, I was taken the way yesterday and it came to a slight collision. My car (10J old Fiesta has no visible damage. I also meant it has not come to any damage and he still wanted to report it to his insurance because it has comprehensive and carried lighter scratches on the car from it. Well today I received a call from his insurance company and I thought I should give it to a workshop and me an estimate for the damage read She also wanted to recommend me a workshop or evaluator? but refused. On the one hand, I don’t want to worry about it, because I have a lot to do right now, but I don’t know what it looks like under the bodywork. What do you say? Can I just have a look at the workshop and me? Thank you

Hello dear Motortalker, I have often found help on the websites here, but I can’t find any solutions or explanations about my current problem at all. That’s why I just signed up and hope that you will also try to explain something to a newcomer I bought a SEAT Leon as a day registration with my girlfriend at a vehicle dealer on 04.10.2017. I had not insured any vehicles on me until then and could not have been SF years from third parties either. The vehicle was now insured with the SEAT insurance service from 04.10.2017 until 03.10.2018. Afterwards I made an insurance change to the VHV and stayed there until 31.12.2018. In the VHV insurance I then had to know that I was classified again in the SF class 0 in spite of 1 year of insurance contract (at SEAT SF class 0) until 31.12.2018. At that time the lady of VHV explains that the deadline for you is 01.01 and I was of course led under SF Class 0 during pre-insurance. Therefore, they could only put me in the SF 1 on 01.01.2019, which sounds absolutely logical to me. However, I then switched to the HUK24 on 01.01.2019 and was of the opinion that I would be graded into SF Class 1, so I also specified that. Yesterday I got the notification that I would be graded later into SF Class 0 and can now be classified as SF Class 0. Of course, since the purchase, the vehicle has been permanently insured against me personally and of course I had no damage events during this period! So the bottom line is that I have insured the vehicle for 16 months and am currently put in the SF class 0 for another year. Is that right? Did I shoot my own leg through my change of job or is there a mistake on the part of the insurers? Would HUK24 have a hotline of course, I would have called there quickly, but that is of course not the case. Thank you very much for reading and for the answers LG Rajester