Category: KFZ-Versicherung Forum

Moin dear community, I once thought, I also get such a Fred here in the form of insurance. Actually it goes quite simply………. So, but seriously and to the (suffering) topic cutbacks of expert reports and cost estimates. It is always propagated by some insurance companies that these so-called test reports have a quasi “official function” and are created by experts (KFZ experts). However, this does not always correspond to the Warheit, only the Einr This is why the Alliance has been asked to reconsider your opinion on this matter, and it has done so entirely voluntarily. So you should always take a very critical look at the test reports and have the cuts contained in them always checked. There will certainly be more to be heard and read about in the next future. If there is something new, I will be regularly reporting here. And finally, one more request: No heztiraden against the evil V otherwise the Fred is just as fast as he has been opened. Let us write and discuss it objectively. In this sense greeting Delle

Hello guys, I didn’t really want to write back in the insurance forum so fast, but well. On Sunday it caught me again. Was at the rest yard to get a cigarette. At the pump a car, so I parked at 5-7m diagonally behind it, entrance is right there. Let the engine run, passenger is still sitting in the car. I get out, go towards the entrance, drive the car from the pump backwards past me and directly into my car. I soon fall off from the faith, and buy I’ve got my mouth so full, you can’t believe it. I can’t believe it all! She had a 2 Mondeo, went straight into my fender and the wheel with her rear. Fender is completely pushed in, standing flush with the wheel, door got what from the fender, rim is bent, steering wheel is crooked, car pulls to the left, and something poltert. And then she wants to tell me that I shouldn’t have stood there, and that you don’t know what to do. It’s a fault. Lawyers will clarify this, etc. Then they called the police, who also told her that she should have looked backwards, that she was to blame, it could have been a child there. But the police did not record the accident. She then also saw it, are fortunately insured etc. So data exchanged, and went the way. I also noticed that my steering wheel is wrong. I arrived at home, called damage hotline, and reported. Since I had a car m I insisted on a rental car. The SB on the Tele then said that this was not a problem with the opponent after questioning, if the liability has been clarified. So he asked with the opponent, and this denies the accident. So for the time being no cost assumption, because the employee can’t decide this on Sunday, a colleague has to do it tomorrow. The damage is so plausible. Do you still have a few tips, how I can answer that, and above all, what’s broken on my car?

Hello I have on my Mercedes a comprehensive damage of 3139,27 €, which I want to fictitiously settle according to KV. Today I received from the HUK24 after 6 weeks a letter, according to which they could have the damage repaired in a free workshop for 2387,77. Due to the fictitious billing would not pay the VAT 381,24 € and then deduct the excess of 500,- € and thus refund 1506,53 €. As I have read now the reduction contests ig and probably countervailable. (I am grateful for tips and hints) The VAT deduction was known to me. My question now is: Wouldn’t the deduction of the deductible have had to be made from the gross amount and then the remaining VAT had to be deducted from the balance? Thus the VAT for 500,- yes double is deducted! Greeting Chatwalker

moin people, my mother had started Januar an unindebted accident with her passat. here an extract from the review: repair costs without VAT. 1400.21€ repurchase value 2600.00€ residual value with VAT 1760.00€ impairment none with the review came also a binding purchase offer from a dealer’s car-online with the 1760,-€ my mother rejected the offer because then she would no longer have a car. what also the insurance and the dealer was said. a few days ago came came dan a letter from the insurance with the following contents: “-total damage amount 840€ -expenditure amount 25€ -total amount 865€ according to this report a total damage occurred. the purchase value amounts to 260€. after deduction of the remaining value of 1760€ a vehicle damage of 840€ results. in advance we calculate on the basis of an economic total damage. after deduction of the remaining value in the amount of 1760€ from the acquisition value of 260€ an amount is calculated from 840€. according to A.2.10 of the general conditions for insurances the rep. costs can only be charged if the proof of a complete reperature has been provided. please provide us in this case a rep. invoice. the transfer of the above mentioned amount is initiated ” so, and last my question(s): in the report there is nevertheless something of 140€ without VAT, why does the insurance now only want to transfer 865€? or has to do with the fact that we do not pass the passat to the h ändler sell. can you please explain it to me so that I understand……. imagine I’d be six years old thank you for your help rod

Hello all, I had an accident 4 weeks ago (no fault) According to report: WWW 1800,- RW 330,- repair costs almost 900,- net A week ago the offer of insurance came my car for 1500,- to sell. What I do not want under any circumstances. I refused and had it regulated on an expert report basis. Now came a letter in which was that only 300 euros were transferred to me. So WWW-RW the insurance instead of the expert. Is that permissible?? Thank you for your help PS: I read here sc hon for several hours and getting confused :S

Hello municipality, in March had a liability damage on the car, where another car drove backwards into the rear of my parked vehicle and punched a corresponding large hole in my bumper with the trailer train/trailer coupling. After the self-regulation will of the causer has dissolved into air… I was then 2 weeks ago with the expert. Expert report was quickly finished and with the insurance of the causer. Now the final amount differs. in the report of the amount determined and transferred by the insurer. In the report a point “NFA/ORTEIL COMPARISON OF LACKING” is estimated with a deduction of 40,- € from the net repair costs. In the letter of the insurance are deducted from the almost net final amount of the expert (NFA already deducted) identical “calculated repair costs” again 40,- € “deduction new for old”. The car was never with an expert of the insurer. In the case of an almost four-digit amount, the cost of repair differs by only €2.- €. I could live with it. But why is the deduction calculated twice? And when is such a deduction appropriate? I found an explanation in the net. Quotation: The paint in the damage area is ten years old, but intact. Because there was no reason for the victim to repaint or repaint, he has no measurable and timely advantage due to the damage-related painting. ür-alt-deduction is not justified. I now had no reason for a corresponding repainting or repainting up to the case of damage. Is it a calculation error of the insurer or a mental/understanding error with me? Or both?

Hello together, I try to explain my car insurance history chronologically: First own car registered and insured on myself 18 years ago (always TK). Since then, permanently owns cars and TK-insured on me until 2013. The first 8 years always at the DBV, then at the AXA. In 2013 I used the car full cascade offered by BMW in conjunction with a leasing car and was therefore the last 3 years over BMW at the ERGO So I have “real” 15 years of insurance. Now I wanted to insure a new car with the AXA (VK), which tells me however, that I have only one SF8 in both TK and VK. Now it is complicated: 17 years ago I had a self-inflicted accident (at that time approx. 2,500DM damage), which was regulated by the DBV. At the AXA I later had two or three vandalism damages, which I had I am aware of the fact that the 3 years of Ergo are not recognized by AXA. Nevertheless, after 18 years, an SF8 seems to me to be somewhat low? Unfortunately, I also don’t have any documents from the time before the BMW lease, so I can’t understand how the AXA actually classified me until 2013. Can any of you understand the SF8? Thank you very much!

After I have been misled by my insurance, I want to change the insurance after 60 (!) years. This still comes from my father from 1956, later my mother first, then I took over the insurance contract. So I choose online the cheapest offer, fill everything out, everything seems clear, but instead of the expected insurance contract I get the message “Acquire at Allsecur not possible.” The friendly young man in the hotline This cannot be explained either, but does not want to participate in speculation about the reasons. In question is either my age (over 60) or the fact that I only want liability and reject all other additional offers. An older gentleman, who is almost 44 years accident-free, should actually be the dream partner of an insurance company. Think. But „Rassism and discrimination” are probably the worst allegations that one can raise in this country. And here l Is there any place where you can complain?

Hi to all, We have 2 cars whose insurances we are currently putting on the test. One of them is an E-Class Combi Bj2008. We own this one for a very long time and I am registered as a driver. Now I have calculated the insurance without me as a driver and come to 122€ less per year. I go to the 30, married. Is this normal that the insurance requires even with older neat additions? Especially since I use the ride only occasionally I would use myself as a Fa omitting you, does the disadvantages result? And you have to report a casco damage (stonefall) to the new insurance also when calculating (hike at “must regulate a damage to your insurance last year”?) Am there a bit confused and hope for good advice.

Hello, my wife has had a serious traffic accident with my son, a wrong driver has hit her frontally. My little one is doing quite well by now, but my wife still has complaints. In addition, now the opposing Kravag insurance does not pay. It’s been 4 weeks and we haven’t seen a cent yet. Our car is completely burnt out, residual value 20€. Now we have paid a lot from our own pocket: ID cards, children I have also turned on a lawyer, only the statement that the processing is still taking place comes always. Does anyone have experience with a similar situation? The case is not yet closed with the police and there will also be a trial, since the accident opponent drugs were probably in play. I think it is a huge mess like a life is made difficult. If now the guilt question is not so clear, w I won’t complain….