Category: KFZ-Versicherung Forum

Hello, I’m new here and don’t know any more why I need experience/tips. My car was completely scratched with panoramic roof+lights on one weekend and I don’t know any more. For the insurance a total damage. According to the report of DEKRA my car has a replacement value of 16 89€ without VAT. (with tax 20 100€) The residual value 16 690€ .. according to HUK a damage sum of 200€. At the bank I still have a residual financing of 18 000€ open. If you sell a car at the remaining value and thus cancel the financing. And who will compensate me for the damage?? Then I don’t have a car, should get me a new one. According to the report it is a damage of approx. 900€ without VAT. So something happened to me for the first time.. I thought the damage sum of 900€ is paid to the bank and I leave the car unrepaired and then at least the financing would have redeemed something. According to HUK there are 2 possibilities. 1. I thought you could also fictitiously charge the money to the bank, of course. I need some experience of what you think about it or there are other options.

Hi, I have the following problem. I am today or yesterday, already after 12 drove into another car. The car was standing at the stop sign and I wanted to move up, it went downhill and it was a construction site. I wanted to brake, but apparently slipped. Well, is not to change and I also did not deny that I blamed bjn, the thing was clear. Problem is now that I told the police that when braking nothing happened or I slipped, that could I don’t exactly say. But by this statement, the policeman said that he will make sure the car and have the brakes checked, if I don’t want to, he would seize it. Since I have nothing to hide and only said what I know and what I remember in the stress situations, I agreed. My question is now, what is coming to me? The policeman kicked the brake and my father also tested it again and the brake pressure was d a and slows down without problems. My problem is now only, what if the expert finds what? I always make brakes myself, with a friend of the car mechanic is. Besides, I did not have any information about the woman I drove on it. She called the police and complained about headaches, but was almost under the car to inspect everything. I wanted to give her my insurance data, but she didn’t want to give her, even her name she didn’t want to give me and ha T always distracted when I asked her about it. The ambulance came very quickly and also took the woman without talking to her what happened and what she did. I was not spoken to and also not asked if I got something off. They also drove without comment and I stood there. The police was also a bit irritated. The accident happened about 15 kmh, so I was not fast and she was standing or. Has just left, airbags are also not on It’s my first accident, but I’ve been there as a passenger and it’s all been quite different. I don’t know anything about her and she didn’t want my data, she was able to make a good phone call and walk around at first. I don’t want to insinuate anything, I would never do that, but it all seems funny to me. But the most important thing for me is now, what can come out of the report and how long will it take? Greetings MarciX

Hello guys, in the middle of last year I had approved a Golf III Joker over a period of almost 3 months. Overview a short overview: – 23.07 Double card brought at the Württembergian – 25.07 Golf admitted – 26.07 Hail damage due to severe weather – 28.07 Verainbarung auf Teilkasko We have with the insurance consultant almost after the damage, in which the car was insured only by the double card (liability), the insurance contract including partial cascade ben. At the beginning of the policy it is also explicitly stated that the insurance cover with partial cascade and protection letter Classic starts on 23.24. July (I know not exactly from the head) at 0 o’clock. So before the damage. They have also booked off for this period. We were also informed from the insurance an appointment with the expert, who then counted the damage to 750€. After a few weeks the insurance however rejected the regulation. For me also somehow understandable. I don’t know if I’m entitled to anything or not, so I want to ask you here. If not then. But I don’t want to let any money go through the rags, too. Thank you! If you don’t want to let me go through the rags, I’m not going to have to.

Hello, I have the problem that after an accident that was clearly not indebted by me, my car represents an economic total damage. Because of this I decided to reject the vehicle and invest the replacement value in another car. My damage report showed a residual value of 2300 euros. the opposing insurance, however, has found another offerer via an online exchange, which offered 2600 euros. Ergo have the a lower RE So far not bad… Now I wanted to deal the deal, the buyer is no longer willing to pay the amount of 2600 €, because the car has in the meantime driven etlcihe kilometers. I give to 150 kilometers a day are not little… the whole thing is now going on for 4 weeks, i.e. the box certainly has 300 kilometers more on the speedometer at the end. However, here we talk about a vehicle which is now not 150,000 kilometers but 152XXX km d The Kist is still in traffic and that’s why I couldn’t get a rental car!? What now… annoy me that I didn’t sell right after the old report…The lawyer seemed to me too much, but because of the damage situation was probably the best. In the insurance the lady did not know anything about the regulations to which extent the vehicle should have stopped. There was also no hint from the gutachter… Thanks already for helpful hints. Dave

Hello, I have sold my old vehicle and registered my X5 with the cover card of my previous insurance. Now the insurance representative was there and calculates a contribution (UK, HP, TK) for my X5 with 2200.- Euro (SF25/17). At the HUK24 e.g. the car costs only 1200.- Euro. I have not signed the contract yet. Can I now conclude the contract with another insurance company although I have allowed with the cover card of my old insurance? eht, how do you do it then. Greetings herriup

Imagine you get mail from the lawyer. His client’s vehicle has been damaged and you just ran away! Now the lawyer demands damages for his client including the incurred attorney fees of 95 euros. If not paid up to then the complaint is filed for accident escape pp.. And now ? Many pay to avoid inconvenience, although they are not aware of having damaged another vehicle. Unfortunately currently sad Real A non-existent law firm has already sent thousands of such requests for payment across Germany in May and many have already fallen for this probably new fraud.

Hello, I would like to buy a newer car and need it all. Currently I am at Teilkasko 85% insured about my father. Now I was hoping that I can inherit the percentages (30%) from my mother-in-law. Now it’s funny… so… she drives an old Megané and I think only partkasko or only vllt. Liability. Then she can transfer to me her full percentages. But now she had found out that she has transferred the percentages to her husband (why? k.a.). In my opinion, the only thing I can do is to secure my contributions, and that it would be better to insure my car than a second car. That’s put on like this…but I have read now that I can only inherit as many percent as I have been able to reduce myself since my driver’s license. If I had to do so personally, then I have to drive over my relatives for 10-15 years until I would have reached 3 years. 0% to take over??? Especially since I mean that a few colleagues could take over 30%, but I’m not so sure… What does it look like with the transfer now? What makes sense and where is the catch? Thank you for your help… MfG Soul-Eater

Hello, need your help. have some questions. had a self-inflicted accident today. from an industrial area into a federal road. I arrived slowly from behind (about 10 – 15 km/h) I went on the brake because you have heard the ABS already and noticed but everything did not help, I then slipped on the where at the crossing. so now the 1st question: have the police called the is has taken everything and then want the now 35 The 2nd question: I have VK with 300€ SB and TK with 150€ SB. the damage goes definitely in the couple 1000 €. must I then pay 450€ from my own pocket? the 3rd question: can the bank where I financed my car decide where I should have the car repaired? the 4th question: where I got out after the accident it almost hit me myself. can you sue the city because they didn’t clean up and scatter there? already vie Thanks in advance.

Hello together! I have a huge problem, which has not let me sleep for days and no one can really help me – therefore I hope a little help from you here 😉 on Wednesday I had to go to the workshop with my car (suzuki swift) because oil ran out all the time. there it was noticed that the head seal is over. therefore I had it done. Friday it was finished and I drove joyfully to the workshop to pick it up. after 100m it remained on I ran back and got the guy from the workshop who wanted to drag my car right back to the workshop. when he wanted to pass my car, he drove into the rear kotflügel and caused him to scratch and bump on the kotflügel and scratch on the bumper. he said that he was doing that again – which I immediately refused – because I have no confidence in the lack of paint etc.. so he dragged it to the road for the time being. back to the workshop and said that the ignition coil was broken and that it was done by Saturday morning. I asked him about his insurance, because of the damage he caused – he didn’t want to pull it out and said that we would do it on Saturday; he wanted to pick it out. Saturday I waited in vain for a call. at some point around 17:30 clock I finally reached him – with the answer that it is not the ignition coil, he already expanded everything possible and I asked him again for his insurance – but he consoled me on Monday. I told him that otherwise I had to call the police – he laughed so stupidly on the phone. what should I do now? how long do I have to report this to the insurance company and what do I do if he doesn’t give me his data? the bad thing: I couldn’t take a photo of the damage, because he didn’t give me a photo of the damage, because he had to tell me about it. a immediately brought home and I had no chance to come back, because it is a few kilometers away…… what if he has done himself harm after all? do I have the chance to prove all this? was no one but him and me on the road. I am totally desperate. my car is there in the workshop and I have no idea what he is doing with it. my trust is zero. can I have the car dragged to another workshop and he takes over d he cost? doesn’t know me with it. definitely everything was in order with my car – except for the fact that it lost oil. can you please help me? LG

Hello, we drive a Ford KUGA Bj. 10/09 (with 4 years Flat-Guarantee). Beitrag zu Heckscheibenriss you can look at Ford Monde ,habe there tells us what happened to us on 26.12.2010.