Category: KFZ-Versicherung Forum

Good morning, it would take a few tips. My wife had a slight accident with her vehicle this morning. Tin damage (not yet seen – according to description) small dent in the fender, long scratches at the door. According to facts my wife is to blame. The accident opponent was probably in a hurry and after evaluation of his vehicle had no interest in any regulation (on his vehicle – very old – was probably no damage). After a damage description I type an amount between 500,- – 1000,- Euro (really only estimated). My questions would be: Should your own insurance be informed immediately and absolutely (UK with 300 SB)? Can this happen even later (if the damage is definitely determined by a friendly car dealer)?. According to research, the use of the VK would be a downgrading of SF10 to SF4. Can the insurance in this case (if you use the VK) report the new increased contribution for the following year (of course after damage determination). There is an legal protection insurance. How should we act now in principle, in order to keep the costs (if the insurance or repair service is agreed) as low as possible? Thank you Max

Hello you dear ones who answer the new arrival heir, With me is the following situation. I bought with 16J the small A driver’s license, with 18J (in year 99) the B (car) and with 19 the big A (motorbike ) driver’s license. I switched from a car that was admitted to me last November to another car that is registered to me. At the same time I applied for a Rabat transfer from my Steve father to me. With him was the last car that was registered to me w ar with 45% insured with the BBV. Now I was not informed that probably only the last issue of the driver’s license is used for the calculation. They already guessed, I had my driver’s license not quite a year away (from Jan.08 to Dec.08). State of things is, the HUK has ended Jan, noticed that the date in the driver’s license does not match that of the first purchase and requested an extract of the driver’s license post. This was passed last week. Until today is in the I have not yet received any invoice with the actual percentages.. Now it is the case that the discount to be transferred must be at least SF4? Is that generally so, or only with the HUK? If the HUK now says you have only two years the driver’s license Can they then go here and still only classify me on SF2 and the rest of the percentage falls? If the HUK now says you have the driver’s license too short we can not charge you any percent, then my dad still has claim Is it not possible to stop the transfer of the discount and to continue to register my dad as a policyholder? If yes very important, what is to do? to whom should I turn? there seems to be no attached HUK advisors. Is it possible to cancel the insurance if the discount is not transferred as expected? Or do I really have to pay more than 500€ in half Year more verse.Premie just so accept? For your precious time that you sacrifice for me I thank you very much. MFG 1991erSupra

Good day dear forenuser, I bought an Audi A4 b5 Bj 1996 last week and would like to assure him that I am 19 years old and have been driving with my parents’ BMW for over a year now, my parents have already insured a Mercedes and the BMW as a second car. My question is exactly how this works with the insurance if I would insure my Audi about my parents, I already Googled a little bit but I have somehow not yet become quite smart n why I opened this thread here (Sufu I also used ) As far as I know, you could have the third car insured as a “second car” in principle, am I right there? My father is worried if I would build an accident with my Audi, that his other two cars would be upgraded in the SF and he would pay more, is that so or would only the insurance for my car be upgraded? What else do I know? n for now my questions, thank you for the answers mfG Kevin

Hi bought a new car today and on the way home I got hurt by a truck the two cars. Unfortunately, the new bought a total damage and with which I got the new one the rear is broken. A truck pulled over on my track, so I had to make full braking and my brother is with the new car on it. Unfortunately we could not remember the license plate of the truck and it ran away. My question now, does the insurance pay the damage? New car was insured yesterday, Teikasko. Greetings

Hello together, just for the information for those who are interested: The BGH has just published another decision on the so-called 130% limit. It is about the cases in which the repair of the car exceeds the replacement value at most 30% and the injured party nevertheless repairs the car because it has a special interest in the further use of the car (integrity interest). So far it was only necessary for the injured person to have the correct and professional repair This means that in such cases only total damage will be settled (replacement value minus residual value) and only after 6 months and the proof of repair will the further repair costs be reimbursed. What do the present professionals think of this?

Hi, everybody, tonight, the Alfa hit me the side window, the Navi stole, along with some CDs and my wife’s winter coat… What I didn’t know, the hammer… we had to go to the clinic on Friday morning because our second son wanted to be born 🙂 Now my wife cleverly left all the keys in the coat (second key for the car, key for all the entrances in the house)… Well that means replacing the Navi and the side window next to the Navi. The car is insured with SB, further private liability and home supplies… Since we have rented the house, is the lock system for the house perhaps secured by the private HP? carglass and Co. advertise with replacement without SB and without upgrade, even with such damage? What does a site window for a 156 Alfa cost? Greeting, Sven

I made a total mess: I had a car accident, because of the circumstances completely guilty, even if the other road user was busy with the mobile phone and drove too fast. Just ran quite stupid. I was classified because for years I had no own car in level 1/2. Now came the report that I was upgraded to 0 in the new insurance year. I just made a price comparison and saw that still with do insurance the costs not hoc h gehen. So, what now? * I must probably look when the new insurance year starts here: either 1 year after the insurance start or the new year. * At the moment I have no points, but probably there is still something, if no driving ban. So what would you do in this situation if the new insurance year starts at 1.1.2022? Now immediately complete a new insurance before a point may come or doesn’t matter at all? If the new insurance year begins for the new year? Thank you.

Dear community, recently I had an unindebted accident, the cause of the accident had completely disregarded the advance. everz has engaged a lawyer in the opposing insurance. a expert has inspected my car and since then it is standing in the workshop, according to reports no longer traffic-proof. the car, however, belongs to my parents. now the question arises to me, when it comes to a legal dispute, to what extent and for how long the loss of use In my opinion, for the entire period in which I cannot use the car. Furthermore, I wonder how this is done with the minimisation of damage (whether and to what extent my parents may have to pay for it in order to limit the damage). can someone please help me? many greetings weeman

Hello tosmamen, my vehicle is in a collection garage, where there are also several summer vehicles, i.e. vehicles, with seasonal approval or partly no registration plates, one should probably become a vintage car there. Who is liable for damages, if such a vehicle causes a fire e.g.? With a season registration mark then there is no more protection and with longer not registered vehicles anyway no more? Would then the PHV of the holder (if available) jump in or stick the owner with his private assets. If then 50 vehicles are connected, plus damage to the building substance, the private assets may not be sufficient. How is the situation here, nothing has happened so far, but better you know beforehand and can possibly go to the people with appropriate arguments or you reassure me, because who would pay.

It’s Monday. 26.09.2011. I’m looking forward to the coming long weekend. It’s supposed to be warm. I wanted to make a nice trip with my wife ám late afternoon…but there was a different way to go gaaaaaaaaaaaaaaaanz. On 01.10.11 I parked my VW Golf IV 1.9 TDI1, 131Ps, black, discreet sports suspension, 4 doors, aluminium wheels on the parking deck of DB at Herzogenrath station (border to NL), time: 07:40 am. I continued by train to M’gladbach for a lecture at the FH (on On the way back I thought to myself what a great weather, I already played with the car keys in my hand, got out, went hastily to my car….and then SCHOCK!!!!!!!!!!!!!!!!!!! The car is gone, just gone….Call at the police…not towed….stolen….just stolen…I still can’t believe it…I loved the car sooo, so spared, so cared…and then some pigs come and take away the baby….on a sle ag! My world was destroyed, it was really sad and I still am. How can you be so bold…there were ten other cars parked, from ML to Bmw 5er, everything…but only my baby was missing… Then first dagger to the police, about 1 hour waiting time…Display abandoned…and since that didn’t hear anything. In the same parking garage probably also license plates of another car were stolen… At the road traffic office I already filed the divorce:-( To this day not much heard…where the car is? NL ? Ostblock? Parts disassembled? You damn dogs, if I could get you!!!!!!!!!!!!!!!!!!!!!!!!! Now all the crap with the insurance…what do I expect…