Category: KFZ-Versicherung Forum

… Hello together … When I was on the road the other day I thought a little bit. How I was driving through the area I noticed a cyclist driving on the bike path next to the road. This stimulated my thoughts a little bit and I imagined what would be if: The cyclist was a woman and in the back a child’s seat was sitting in it. I am about 10m behind her and I don’t want to drive past her with 50km/h. But if now out of the bushes a a cat jumps or else a creepy animal and the cyclist is so scared that it falls down with the bike and lands on the road. (between the car and the bike are still about 6m) Should one try to put a full brake on it? Or should one pull into the oncoming traffic? Above all … Who is the fault? … Would I then be to blame because I pull into the oncoming traffic? … Or is the okay if I have the child on my conscience? well…vllt. can you explain something to me… Thank you in advance!!! Greeting M!CHA

Hello, my car was broken open and the airbags stolen. Do I get a replacement vehicle if I have the damage repaired through a contract workshop? I am fully covered with 150 self-services.

A few weeks ago, my navigation system was stolen from my closed Passat 12/02. However, the car does not show any signs of departure. Therefore, the insurance company (HUK) does not want to pay at first, but instead order an expert to examine the car closely on traces of departure. If this expert does not find anything, then it would have to be assumed that I would not have closed the car. Thus, this theft would not be an insurance case and there would be no I would be grateful for the perhaps helpful description of similar cases and their outcome.

Hello! I would like to use a friend’s car for a few days while he is on holiday. However, the holder is registered with his car liability insurance as a solo driver. What consequences does it have now if I cause an accident? How does the insurance (DEVK) react? Does the holder only have to pay the tariff difference (for the use of the car by other persons)? Or can it be that in case of damage the liability refuses to regulate the damage? I would like to e assess the financial risk beforehand. Is this calculable? Many thanks in advance for the help of the experts here in the forum!

Hello! I have a problem who can help me. I bought a Fiat Panda and have no number plates for it. What do I do now, I have to go to the Tüv and have to allow it. But I can’t drive to the Tüv who I don’t have a registration, and I only get a registration and thus quch the number plates for whom I present Tüv report. I can’t insure it either because the insurance says she wants to see the number plates first… WHAT IS IT NOW??? How do I now have to contact the I can’t drive without number plates.

Hi, I need a couple of tips from you. My insurance company (HUK) has cancelled me after 5 damages in 13 years. In the current year 3 damages!! Announced on 11.11.2004. I asked for the other insurance companies (also via Internet) and was treated as if I had plague. Some have immediately rejected (Internet) and those I called wanted to insure only without Kasko. That is a bit cracking for me. I did not cause an accident in 13 years. My questions: 1. Why go 2. Do you know insurance companies that do not have problems with recording? 3. Do you lose many %-ente when recording? 4. Is there any possibility that the current insurance company will accept me under less favourable (for me) conditions? Ask for answers and tips and who it is about WWW addresses or tel-no. Thank you in advance :-)) MfG Rolof

Friday is a neighbor on my coupe long rammed. Back left bumper and fender, fortunately only paint damage. Monday I had a cost estimate created. Look here. http://hometown.aol.de/guentherdortmund/page1.html In order to save the neighbour costs, I tried today to have the bumper repaired on the basis of the cost estimate “only” (Pos. 1005 for 8,50 € and Pos. 1030 for 23,- € plus shipment 87,- €) But a little. Now Fiat says, the Pos. 1010 for 200,10 € and the item 1020 for 184,- € belonged “in that case” to the bumper. So incl. fairytale tax 584,41 €. The neighbor is Stocksauer and feels fooled by me. Is an estimate not binding? Of course, your insurance also takes over the damage. But you shy away from the increase. Greeting, Günther.

Hi to everyone! I’ll give you all a tip! Since you have to cancel your insurances 1 month before the run, I suggest you look at other insurance companies! I’ll give you a tip to get offers from other insurance companies and then go to the Gothaer! They have a new concept from October! They always go down with the price! They want to win so more customers! Except you come with such cheap direct insurance, something like Direkline and that doesn’t work! We know n yes all the Gother was an expensive insurance but now the really cheap! Therefore get offers and go to Gothaer! Tell them to make it cheaper! I speak out of experience! Gothaer ́s motto is: We do it! Let’s see if it works with you! Write then what your result is! MfG Selo 🙂

Hello, so first of all the basics: I should first get money from the bank with the car from my girlfriend’s mom (95er 5erBMW2L24V) and then drive fuelling. She asked me for it. ABer didn’t say where, just fill up! …80L The car is only insured on her and her husband. That’s why he told her the car is not awarded! Well, I didn’t drive to the next gas station but to one more because it was much more flexible. Well in a curve I did I put the thing in the sheaves. Total damage. Remaining value 1500€ according to the report before 39000€incl. VAT 95 year of construction 238tkm 2*Company car only with climate and electric exterior mirror. In addition to tow and stand fee. Log out and a lead post. Who can tell me what and especially how much I have to pay? Must be really grateful MfG Lars

Hello, I have heard that as a “starter”, who I am no longer absolutely, you actually start with more than 200% of the insurances. at the huk24 I have now had an offer calculated with my data, and at the end 140% come out. can this be done? have had the license for 1 1/2 years, soon 21 years old and curved until this week with the box of my mother around. now next week is to come your own car and for that you need the insurance. Thanks for the answer Our offer for a road insurance The following information is based on this offer: Vehicle data Vehicle type: Car Manufacturer: AUDI Type (sale name): B5 (AUDI A4 1.8) Type no.: 592 Performance: 125 HP / 92 KW Place identification: xx Registration authority: County Motor vehicle liability insurance Insurance sum: Motor vehicle liability insurance with an insurance sum of 50 million € Property damage (but max. € 8 million per injured person). Tariff group: R Contract classification: SF 1/2 Contribution rate: 140 % Type class: 16 Regional class: R5 Annual contribution: €1,186.95 Vehicle insurance All inclusive: not included Partial cascade: without excess rate: R Type class: 20 Regional class: R3 Annual contribution: €221.08 Expansion of insurance coverage Foreign damage insurance: not included Motor vehicle accident insurance according to de m Flat-rate system: included – with 25,000 € death and 50,000 € disability Annual contribution: 28,35 € Driver accident protection: not included Total contribution: annually 1,436,38 € half-yearly 739,74 € quarterly 377,04 € DangerousDangerous circumstances Date of birth: I was born on xx.xx.1983. Gender: male Holder: The vehicle is registered to me. Registration on holder: 11.2004 First registration of the car: 03.1995 Annual driving performance: 10000 km Usage: The vehicle w Parking space: For this vehicle there is no own parking space. Driver: Only I drive the vehicle. Driver over 23 years: The youngest driver is 20 years old. The car is not driven by female persons under 23 years. Apartment and house ownership: There is no self-occupied apartment and house ownership (one or two-family house) available. Children under 16 years: In my household there are no children under 16 years.