Category: KFZ-Versicherung Forum

Evening all together Since my old man wants to buy a new car and also wants to change the insurance I have a few questions for you. He currently has the damage-free class 28. How does it look with the downgrading in an accident because different insurances have different downgrading tables. Example Insurer A From 1 damage 2 damage 3 damage 4 and more damage SF class According to class SF 25 SF 11 SF 4 SF 2 M SF 24 SF 11 SF 4 SF 2 M SF 23 SF 10 SF 4 SF 2 M Example Insurers B from Class 1Damage 2Damage 3Damage 4Damage n a c h K l a s e SF 25 SF 22 SF 10 SF 2 M SF 24 SF 11 SF 4 SF 1 M SF 23 SF 10 SF 4 SF 1 M SF 22 SF 10 SF 4 SF 1 M SF 21 SF 10 SF 4 SF 1 Mhttp://www.huk24.de/pdf/kfz/HUK646P.pdf So now to my question. 1 He signs a contract with B and has a damage in 2011 then he should stay with B 2012 SF22 or? 2 Which SF class would he have changed to A in 2012? 3 Which SF class would he have had if he had to join A in 2013? SF 23? I would be happy about expert help. MFG

… only by the way. There are already the first prices for the new (black) insurance marks for mopeds, mopeds and scooters from 01.03.2011 Kostet bei wgv-himmelblau.de 44,40 EUR per year.

Hello forum I had a breakdown with the car from my dad. Since the car was no longer ready to drive it was towed home by ADAC 70 km distance.When I called ADAC Service Hotline I was asked what is on the vehicle license and if it is identical with the names of ADAC member it is in the case. Soo to my concern because I received a letter from ADAC where it says that the costs are not taken over and I have to pay them. Experts as I know it’s insured again compared with the hotline lady and the towing service meant it the same way. How do you see this ??? The vehicle is registered to my dad and he has ADAC Plus customer since 1985 Many thanks in advance…

Hello together, basically the topic fits in 3 Unterforen, so I hope that it is in spite of it. I am almost 30 and I finally make a driver’s license (A/B). Now I wanted to buy a motorcycle for the summer season and in winter (if I don’t feel like a bus/train) or use a car sharing provider for transport stories. Now I have seen, however, that most of the 1 year driving licence possession is required. To not now 1 year even nic I looked at how it looks like with the purchase of a car. However, the problem with this is the insurance, which is with most cars with me as a beginner at approx. 1.000 €/year. Insurance about the parents is unfortunately not in it, therefore there is only the possibility. Then there is still the possibility to lease a car. That would have the advantage that I do not have the whole purchase stress and the car can leave after a fixed time, without having to have sales stress. And in some cases there are leasing contracts incl. insurance (whether one is supposed to be a beginner is another question) This is the most expensive variant, however. In order to really put the whole thing into question: What do you think is generally the most useful (possibly also from experience): – wait 1 year and drive accordingly only motorbike, bus/train and then start carsharing. – Buy a used car and a correspondingly expensive insurance, but collect SF year(s) and driving practice. – A (new) car lease and therefore may be slightly cheaper depending on the car, have a correspondingly new car, but pay significantly more than when buying a used car with subsequent sale. I know that is a very general question, but I hope to get some impulses in the right direction here. Thank you! Greetings, Nick

Hello, here’s what happened. My daughter’s vehicle is parked on the road. Witness looks like someone is parking her vehicle damaged and running away. Witness then calls the police. They take the accident. My daughter shows the damage and overlooks a scratch. We try to personally clear the damage with the victim. Driver was his daughter. Father already claims on the phone that our car had pre-damage. “Klaren” and reported the damage to his insurance, had the estimate made with pictures and submitted it. Damage is net about 1,200.- EUR. All this was about 4 weeks ago. Today I called the insurance company and inquired about the state of things. There it is now there are ambiguities due to pre-damage. Investigation file is requested. What would you do now? To the lawyer and further costs cause? Wait? Greeting Andy

tomorrow, at the moment I am at the aachen-münchner and would pay 1050€ for 2008 (HP,TK150,SF4) and think about a change after. from the benefits, the AM is not bad, so I have e.g. 3 accidents “free” without being upgraded and a “driver plus”, which in the case of a self-inflicted accident and subsequent incapacity for work for the wage loss. so something you pay with. so far so good, it is too expensive for me. now I have been doing all the tariff calculations for a long time r to try, but you will be yes, you don’t pay attention to, everywhere over nuckel. to what I pay attention to now, is that the collision with JEDEM animal is insured and ALL damages are covered by marderbisse with. that’s something that is often left out. only, where do you like to hide “fall” in small print on which you should pay attention? that I don’t have the two above mentioned things with the cheaper insurances, is logical. I’m not sure if it is worth an extra price of about 300€. the other offers all move between 650€ and 900€. so with “only” 150€ extra price I would probably stay with my current insurance, only at 300€ you think about it already and ask yourself how this price comes about or what was excluded from it. mfg

Hello! I sold my old Fzg. almost 3 weeks ago, of course registered A very ordinary purchase contract was made, with which the buyer undertook to re-register the Fzg. within a maximum of a week. After the sale I also informed the sale immediately of the car insurance and the registration office. Now some time later and after research I found out… 1. Buyer has given an address, which there is not at all 2. Fzg. was after almost 3 weeks always n 3. My car is currently in an online car exchange for sale Now, of course, the question arises, which legal possibilities belong to me!? Is there for me the possibility to immediately deregister the account? Can I recover the expenses incurred by insurance/tax from the buyer? How do I get the correct data of the buyer, advertisement with the police? What is the reason for an advertisement in this case? May I cancel the registration number? If I find the item, or may I not (I don’t know if the plates are legally owned by the buyer?)? I have the phone numbers of the buyer and the current seller for identification. I do not want to preach about the risks of selling a registered item Id.R. everything goes well, but apparently not this time. I am grateful for every advice. Greeting Berni

Hello, We broke into several cellars on 24.01.2008 in the apartment block. My Alufelgen OZ 215/40R16 with Dunlop Sp 9000 were stolen. Police took everything and I reported the damage of my household insurance (Alianz). Now after over a month nobody has reported to me yet, not even a letter that the case is being processed. Was with my representative and that we said still another week before we call directly at the Alianz and ask for . Now my question: is it normal that it takes so long for the insurance company to register? And above all, are my aluminium rims even covered in the household supplies? So can I expect to regulate the damage? Thank you very much.

Hello together I have brought my A6 to a workshop to change glow candles,in the expansion is a glow candle broken on winch,now requires me workshop additional cost because now the head has to go down and get high cost who has to take the cost. I will be grateful if someone can give me advice.

Hello, I was just at “Autoglas” and wanted to have my rockfall repaired. The guy only said: This must be new! His reason: The stonefall is in the field of view and must not be repaired! So far, OK. Then he said still if the stonefall would be repaired, then the operating license and I drive without insurance cover will be extinguished! Where does this??? Did the stonefall itself want to repair because this is really very small (approx. 3-4mm) and I don’t want a new disc. W He can tell me where this is in the law??? Thank you