Category: KFZ-Versicherung Forum

Hello so I’m still 16, but will be in January 17 . And then start with my driver’s license . And would like to know as soon as possible what kind of car I can afford . So I like best up to jetz a Corsa B , the Polo 6n Or an old clio or a Peugeot 306 . So preferably small car from the performance they should have between 50-75 Ps . I would have at least infos on durability , reperature kostren , susceptibility and insurance (clear is yes different I hope you can help me, I know there have been more and more so articles have already read but the All my questions could not (or only partially) answer. Lg Marius

If these days for my three vehicles get calls from advertisers of my insurance company, they would have noticed when reviewing my contracts (net, so to make the contract-related reason of the call, otherwise it would be illegal telephone advertising) that I have not yet completed the Safetycar package, which guarantees me a refund of the time value in contrast to the replacement value. For “only” 10 € /Mt. a) Does something like that work? b) Is the time value necessarily always essential higher than the replacement value? c) In a non-cash case, what replaces the opposing insurance? — Christoph

Sometimes you just have to borrow a car for certain purposes, because you don’t have one or that which is not suitable for the purpose. My question: How can I protect myself for a damage that I financially cover when renting a foreign car (especially from an acquaintance) if it comes to a damage/accident due to my fault. Private liability: A private liability will probably not take this risk (or would it be unlikely) ? Sixt and his consorts offer seperate comprehensive insurances…) Is it possible that if I rent the car from my friend, I can insure somewhere if I myself are in debt with an accident. Damage by reclassification: Well the damage (which might go into the millions in theory) would be limited by the insurance of the vehicle owner. But certainly I would have to replace him with the car himself in the event of an accident and I have to give him the increased liability premium over a year. The damage would not be immeasurable due to the insurance of the holder (since I think that also accident is insured by foreign drivers), but I would certainly add a few thousand EUR in damage amount for the mentioned reclassification. I would be grateful for a practical regulation like one of the acquaintances to borrow a car. This question has been on the agenda for a long time. and would like here at last a final answer. Nice greeting Manfred

Moin, recently had a bang and I turned off from a main road into a 30s zone about 35-40kmh and had a distance to the parked cars with at least 80cm. about 3 m before me one of them is tearing his door almost completely to “bad in cm to estimate” and rams my kötfkögel + couple of scratchers on the bumper. I tried of course also to evade there only the kotflügel. who is to blame? I mean the one who runs the door that he has to pay attention to the he n iemanden endangered. well the opponent denies everything in hindsight and I think I had driven the road with excessive speed and of course also too close to the parking cars. Witnesses don’t give lleider no police came either (lection always learned to call the cops =) so what can happen in the worst case? mfg

Hello, I hope someone can help me with my problem, because I don’t really know how to do it. Because I just don’t understand it (1 % monetary advantage, 0.03% regulation). I accepted a new job. The new employer offers me a company car that cost me 28,000 euros in the new value. But he is already 6 years old. My gross salary is 2700 euros. The distance to the workplace is 45 km. My wife (who also needs a car) and I have two relatively new cars. A new car, with first registration in April 2009 (with scrapping premium purchased for 7900 euros) and an annual car bought in January 2009 for 8500 euros. Now the employer says I can use my car and get 0.30 euros for every professionally driven kilometer (not for the way to work) or the company car. However, I still don’t know if and how the petrol and any repairs are paid. Privately I would use the car until work , due to the second car, use little. Then of course I would sell a car with loss. I hope one has mercy and helps a desperate one! Thanks in advance!

Hello everybody, in December someone drove me in the back when I was standing at a red light. (Accident was clear: the other one was to blame.) Then I brought my car into a free workshop. This then also commissioned an expert, organized a rental car and repaired the damage. Was all so good. Now I got a letter from the opposing insurance company that it is not ready the expert costs as well as the costs for the M In your opinion, these are disproportionately high. What should I do now? It can’t be that I still have to pay what after someone drove me in??? I have left everything organizational with the insurance, evaluator etc. simply to the workshop in the assumption that it will probably know with the procedure in such cases. So… what to do now? Thank you & best regards, Michael

moin gaaaaaaaaaaaaaaaaaaaaaaaanz stupid thing! this morning on the way to the registration office I’m a nice lady on the back of it. totally pillepalle, number plate bent and who comes up at the zafira from the victim n scratcher in the stupidest fall. I guess the speed at 2 km/h who ever. stupid thing at all. even dumber but the situation that the box still had its old numbers and was still allowed to the old owner. I was just on the way to the amt…15min later the cart was allowed on me. now the question: from WHEN is the car considered insured on me? from this morning 0hr? so was the eimer theoretically already allowed on me? I ask so stupidly because I have a very “inner” work relationship with the owner (btw a business colleague whom I know for over 10 years already) and I don’t want to make him any worse. that I pay the harm myself because nothing really will be wild is also asked except. I would old just like to take over completely myself because I also screwed up.

Hello people, at the beginning of the year someone drove me into my parking vehicle, the whole was kept police. the question of guilt is clear. the week after that so from my workshop, cost estimate, pictures were also made, and mandat handed over to my lawyer. he has sent the insurance (Allianz) a letter with attached the cost estimate copy incl. pictures and asked with the deadline for payment of 14 days. Since the accident eile has passed a short month, there is still no money received, only a very short letter from the alliance, I should make an appointment for a follow-up visit. I usually do something like this with my lawyer, but this is this week on vacation. for this reason I called the alliance and offered to those who could send the pictures of my workshop again. there the lady said (something “inconsistency” that the pictures and the costs In the meantime, the young lady became almost snippy/ziggy) when I once again pointed out that I had taken my right to determine a good-for-itself, she remained with the opinion that no money would be paid, as long as the alliance did not send her own good-for-it-yourself. also on my behalf, that no money would be paid, as long as the alliance did not send her own good-for-it-yourself. the lady ála reacted “well, then we don’t pay!”. so the phone call went quite aggressive on the part of the alliance – and of course resultless. as I said, I usually talk to my lawyer, but since he’s on vacation it’s pretty nag about me, puls is on 200! can someone maybe give me a advice/tip what I have to expect? did I react wrong or am I wrong mi t know that the insurance can send its own expert? in my opinion this is only an attempt to question any amount/position of my workshop – so to minimize the amount. would be grateful about advice and did! p.s. what would have been if I had already repaired my vehicle (same)? what would the insurance then have wanted to look at?!

Dear forum members, I had already a similar topic here (Vers. does not accept impairment). There I got a impairment shortly before the lawsuit. Now about 8 weeks ago someone drove again into my parking vehicle. This time in the rear-stump. Car has about 140tkm on it and was maintained up to 90tkm checkbook. It was clear. I obtained an estimate in a VW-contract workshop (Golf IV, TDI 74 KW, year 2003). Estimate: approx. 843 € incl. VAT, 709 € without VAT. The insurance paid me 615 € + 30 € flat rate and referred to a cheaper workshop with lower hourly calculation rates. I have so far not engaged a lawyer to regulate the accident. Question: Should I now take another lawyer regarding the still missing approx. 95 €? It is not about the money, rather about the principle. Did the insurance write a long letter miit reference to BGH-judgment of 22.10.2010 and that the insurance But they don’t want to pay the remaining amount! Now my questions: – What experience have you had with regulating such differences (it seems to happen more often)? – Who will bear the costs of a lawyer if I first want to warn the difference by lawyer? Also consider whether I should file a complaint in an emergency. Unfortunately, I am not covered by legal protection. Thank you for your opinions. Greetings

Moin sorry if this is a very natural and easy question: I didn’t even have contact with my car insurance in 10 years. Now I come out of the office tonight and left back there is a “deep” about 30cm long scratch. I can’t tell if he was already there this morning at the start of the trip. Thursday afternoon this definitely wasn’t there yet, since I have grown the cart. The car ran off 6 weeks ago, 500KM on the Tacho and now something like that. My mood doesn’t raise it…. Maybe stupid question, but: am I just going to my insurance now? Have full-scale…. I’m quite honest, I have no idea if insurance companies pay for this. Thank you for your answers.