Category: KFZ-Versicherung Forum

Hello. Jmd took the lead and he saw his guilt directly and reported on the spot the damage to his insurance. The insurance also interviewed me on the phone on the spot. Now I was in a contract workshop and had the damage counted and then was an expert of the insurance on the spot to determine the (total death). I had a rental car in time to come to work but in these almost 2 weeks I have nothing of the insurance I have passed the damage handling to the workshop was that a mistake? If no, when can I count on the money? MfG grassator

Hello, have the following problem. After work, on the way home, I slid into a ditch (no other road user was involved) but took 1 road sign. Quite big damage to the car, so front and rear pressed in. The car is a Mitsubishi Lancer 3 years old. Then called the police, which took the accident. They also noticed that I still had summer tires on it and took it to the record. It didn’t snow and had over 3 degrees, but it was wet (not frozen). The policeman meant he deals with my insurance…… At home with my insurance the damage reported, whereupon she wants to send an expert of the DEKRA. Now to the eig. problem. The rims that I have mounted are the original Mitsu rims, but the tires are instead of original 215 tires 225er which are not registered. What comes to this, as already mentioned, no winter tires. The police i the tyre size is not noticed (is also otherwise all original, even the rims, on the car). But if the expert shows up now, he certainly looks into the vehicle papers and sees the eig. 215er must be mounted and to all of this still summer tires are on it. Have already thought fast to put on winter tires, but if the police gets in contact with the insurance will definitely notice. Numbers will probably not be comprehensive here, will it? Had someone who’s having fun with an expert? they’re probably looking at everything and passing on every lack of insurance…. Is it afterwards, when the police have already taken up everything, something to change the tires before the expert comes? I look black, and I wanted to mount the winter tires today :S

Hello dear Motor-Talkler, I have been driving my grandfather’s second car exclusively for a few years now. He is both a holder and a policyholder. The liability insurance now has SF10, but the contributions are very high. In the future, I also plan to purchase my own car, whereby I have not yet completed a car insurance and therefore would actually start with SF0. My plan for optimizing the situation is the following: I plan a car insurance plan. This means that there is a special right to cancel the current insurance policy. With the registration to me (currently, for example, the HUK24) I would take out my own car insurance and transfer the previous class of damage freedom of the contract for the affected car from my grandfather to me (in the acute case at least SF7 because I only have the driver’s license under 8 years). Is this procedure so feasible? The HUK24 also allows the transfer of discounts from grandparents to grandchildren. Thank you in advance for your answers! Greetings, namX

Hello together I had an accident at the februar in a parking lot, where the accident opponent damaged my whole right side when driving back. I called the police the opponent had to pay 35euro he also saw his guilt. Then I had an expert report done which also went immediately to the lawyer,so far as I got so good somewhere I got mail from the insurance with a filling sheet which I filled out completely and sent back. contact office post that they have to look at the car, I asked my lawyer if I should do that he said, if I don’t do it hesitates the thing and the insurance doesn’t pay. Then came the expert, took pictures again and I had to fill out the sheet with him again. I thought it must have been, but not by a long time The insurance company wanted a purchase contract from me, since I didn’t have any more I couldn’t submit My lawyer already had a Fri I have received mail from the insurance company with the content: After completing our comprehensive investigation we dispute the alleged event at the basic and the amount. We reject the claims unfounded. So my lawyer told me to get a confession of guilt from the causer which I also got. At the end of the song we have filed a lawsuit. Meanwhile I also get the invoice from the report what I should pay. I’m really stunned would be grateful for any help

Accident: Two vehicles touch each other in the oncoming traffic (Landstrasse) with the exterior mirrors that also break and damage the side window and the paint of the door in a vehicle. A driver drives on without stopping, the second turns and drives after him, picks him up and moves him to stop with the light horn and horn. To the question whether he has not noticed the accident he twitches with the armpits gives gas and drives on again. In the meantime, it is known that the driver is searching for the address within a short time, and the damaged car is also examined – rings – but nobody opens it. What are the chances of getting the damage from the driver’s fugitive? or does his insurance want to refuse to accept any damage due to the driver’s flight (which was also confirmed by the police in writing). Does not always pay the liability and demand the amount back in regress? Thanks leo

Hello all, I received a new service car from my new French employer last week. This car was also registered and insured in France. The company has no branch office, or similar in Germany. However, I will mainly move the vehicle in D, as I will be working here from the home office. Now the problem. The French insurance company probably said that the car should be moved abroad for a maximum of 3 months not to cover insurance. Is it possible to have the car insured with a German company with French registration plates? A registration in D is not possible, because the company has no seat here. I think there can also be problems if for the car no car tax is paid ?!? I am a bit perplexed, maybe someone has had a similar case before?

I have looked at my car insurance the last few years. If I calculate this, I get about a tariff premium increase of an average of 4% a year. I know of my residential building insurance that there is a construction price index that takes into account the rising construction costs. What is this in the car market? What is the cost increase real on the market? Sometimes quite rough out what I mean: A VW Golf cost 20 years ago e.g. 20,000 DM. Today a VW Golf costs 20,000 Euro. On the one hand it is due to normal inflation, on the other hand it is also due to the fact that the cars bring much more equipment with them. Thus it is also clear that the insurance companies have to pay more in case of damage. So can one say here what increases in the car market on average last year/years?

Hello together, I would have to clarify a question about my SF-Class with regard to comprehensive information and reach today unfortunately no one with my (Internet)Kfz insurance and hope you can help me. I have since 04/2002 the driver’s license and had during the time mainly cars with liability insurance or partial cascade, very rarely also comprehensive. From 01/2013 to 03/2014 I had a vehicle with comprehensive insurance, with I then 07/2015 and SF-9 my first detention In the end, I bought a small car and insured it with a different insurance with a pure liability. However, since I had to state the damage to the pre-insurance insurance here, they classified me back to the SF-Class 3 (51%) – I can see that at the moment in the customer area. If I want to allow a car now tomorrow with which I would like to have a car with which I would like to pay a tax. llkasko insurance wishes, then also applies to the comprehensive insurance SF-3, because you always have to enter the SF-Class for liability and fully comprehensive with the online machines separately. I also had a larger partial cascade damage (vehicle theft), which is more than 3 years ago.Thank you in advance!!

Hello, I happened on the New Year around 1:30 am accident. I drove into a fog wall and I have already braked, on the highway an accident happened several cars were already crashed in I was with approx. 60-80kmh more or less into a standing empty car which was on the left lane, with the car the lights were off I only know that I have recognized the car of approx. 3 car lengths while I have already braked in front of the fog wall but everything was too late, as ic h driving into the car police was already suburban or involved in the accident 2min later also my car started to burn and has set fire to another car Now I ask myself all the time Who is generally guilty? Or am I just that? I know that here no accident expert is but vllt. has someone so what lives through My car has set fire to another car has to take care of my insurance costs ? Opposite has already registered My car is standing at the ADA C partner with a total damage, stand fee 13euro, I was 4 days in the hospital at 10days it already makes 130euro.. I want to scrap the car now cost point 50euro, can I get that ? Or do I have to come expert/public prosecutor? I have liability! The car belongs to my father and is insured on him, if the percentages rise ? Sorry for this mess in my text, since it was somewhat updated PS: I have had a speech disorder since accident, if someone had such a thing w Is this going away or is it going to last forever?

Hello together On July 23rd, 15 I had my first accident, but I was not responsible for this one. On July 25th, 15 an expert came to examine the damage. On July 29th, 15 I received a copy of the report, where I was sent to the opposing insurance company. In it the following:Total damage Repair costs incl. VAT: 2375.05€ ——– Replacement value: 1380€ Remaining value: 250€ _____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ Insurance a letter stating the following: “The verification of the residual value of €250 from the report sent to us showed that a higher value can be achieved on the market for accident vehicles. This value amounts to 300€ incl. VAT after an offer to purchase. Please contact the buyer immediately if you cannot sell the vehicle at the aforementioned value otherwise.” What is the point of this? I would like to keep my car as it is still ready to drive. I don’t know how to proceed exactly ? That’s why I’m asking about your help I’d be happy to thank you in advance