Category: KFZ-Versicherung Forum

Hello together. Need urgently a few clever tips! The following to the accident – approach. Bottleneck: I was standing with a car in front / in a bottleneck. (10 km/h allowed.) Wanted a truck about 40 to.!!! which entered into the bottleneck, let through. At that point the road is wide enough for two vehicles. Trucks drove and unfortunately not past me, but “slit” my side open. Afterwards accident reception by police. Statement of police: It’s just that, is a bottleneck. Insurance case. }> No witnesses. . According to the report 4.000 €. Two weeks car rental of insurance to drive to work} day á 50 €uro. Insurance now wants to take over only 50%. } Reason: Because both drivers were not attentive enough. Statements contradict each other. Is clear. Standing car rams 40 tonrs. ???? Where is the logic? One sees clearly circular scratches from the truck wheel hub in the paint. That the driver says he is not to blame is also clear. Otherwise there is trouble from the boss. !!! What should I j I don’t have that much money. I have to expect that I have to pay the expert and the rental car also 50%. Who has a few tips or who has experiences there? I am already completely confused. Thanks already in advance!!

Hello, I had a driving accident recently and the question of guilt is clear: I drove up there too late braked… why is now a minor matter. The fact is, however, that the impact speed was so minimal, that neither on my (Mercedes W124) nor on the vehicle of the opponent of the accident (Golf3) there was any visible damage. We have of course exchanged insurance cards address etc., but unfortunately I did not call a police. To show the vehicle to an expert and then contact me. I for my part reported the accident the same evening of my insurance where I was told that there was nothing going on in my description…. the whole was at the beginning of July. Today I get a call from my insurance company that the type of then for the reperture, painting and installation of the new bumper demands a rich 850€ (cost estimate). I don’t need to mention here that It is obvious that it is a fraud. I am now supposed to face my car to the expert and the accident opponent in order to clarify the matter…. However, the accident opponent has sold his car to a commercial used car dealer and compatriot (Turkey?) who has also made the estimate. So that this is a fraud is probably clear, my question now how to react to it…. to avoid a classification of the SF. It is doc h The task of insurance to uncover fraud cases and to file a criminal complaint or do I have to take it into my own hands? Above all, what are my chances of taking such an ominous opinion? Who has experience with such tricks and can give me tips what to consider? I thank you already in advance for all those who will help me willingly! mfG

Hello all, I recently had my third accident within 6 months where I have my ticket and car… Now I guess I’m going to fly at the report of the third damage (Monday) or ? I was insured this year with 55€ (gradation: 60%) per month. Damage 1: 130€ (upgradation to 110€ per month in the following year) Damage 2: 800€ (upgradation to 160€ per month in the following year) Damage 3: 2000-300€ (outstanding) I am with the Generali. Is it usual to start driving b a 3 accidents to quit? Or do I still have a chance? My profession depends on it.

Hello, yesterday I had a self-inflicted accident (foreground disregarded). The vehicle is a Ford Mondeo 2005er with damage in the area on the right. Due to my insurance (DA direct) I was offered to have my vehicle repaired by a partner workshop. Advantages would be: -Hol and Bring Service -3 year warranty -Cleaning inside and outside The workshop as link:http://www.autodienst-schmudlach.de/ Important to me is an absolutely professional execution What do you think, let do, or prefer to choose your own workshop. If so, what should I consider?Invoice etc. in order to document damage for me, for the purpose of possible later sale, etc. I am grateful for your answers or experiences.

The star was stolen from an old W124 combi 2 weeks ago. It wasn’t the first time, but now they didn’t just break the star, but they pulled it out standing on the hood. Besides the hip-wide footprints and bumps on the bonnet, not only he is missing from the star – also the ball bearing under the grille is gone. Insurance (HP and TK) says that the star would be theft, but the rest would fall under vandalism. The hotline did not want to follow the damage as a result of the theft, nor did it help to discuss with the person concerned. Of course, I can also understand that they want to keep the damage off their backs, but here it is not only the star (which I have always paid privately) but also sheet metal. In the case of a radio claw, the destroyed glass would be insured by the TK (but only because it is glass and specifically listed in the insurance conditions). but claim that the destroyed glass does not fall under the insured parts of the TK, but is also to be understood as theft sequence. Therefore, the logic in case of sheet metal damage should not grip, or ? In my view, this is the theft with damage consequences – is there something legally valid ? I would hate to run glecih to the RA, but to write a letter to my verse . Thanks and much success in the stomach recovery…

Hello, if I have my new car insured, then I have to declare the annual running performance. This is estimated at 25,000 km, which I would then also indicate. What happens if I drive 28 or even 30,000 km differently than planned??

Quotation: From deeper suspensions and other jokes Even if an unreported tuning measure is not directly responsible for an accident, but has only affected the driving behaviour of the driver, there is no obligation to perform by the comprehensive insurer. That was decided by the Oberlandesgericht Koblenz with a recently published judgment of 14 July 2006 (Az.: 10 U 56/06). Conversion not reported The plaintiff was owner of an Audi 80 convertible. A so-called tuning measure he had, among other things, lowered the chassis of his car and had the engine power increased. He had not reported these changes to his comprehensive insurance. Shortly afterwards he had left the vehicle to his son and his friend for a ride. At a speed of more than 100 km/h the young people came up with the idea to operate the handbrake of the vehicle. The car then fell into a spin and came from the road a b. In the accident, the friend of the son who had driven the vehicle was killed. The car suffered total damage. Insurance cover fails On the grounds that there was a case of gross negligence and that the owner had also failed to report the tuning measure, the all-insurer refused the insurance cover. In his suit against this, the insured party claimed that the changes to the vehicle were not in any causal connection with the vehicle. In the opinion of the judges, the tuning measure is the typical case of a risk increase notifiable in accordance with § 23 VVG. Since the insured person has failed to notify his insurer of the conversion measures, the latter is free from the obligation to perform according to the provisions of § 25 VVG. Although none of the tuning measures were directly responsible for the accident, the court is convinced that it is almost typical that such vehicle changes also affect driving behaviour and thus increase the risk. Especially with young people a special incentive is created, the possibilities created by the tuning actually excite. That was the case, according to the court, also in the too decisive case. Insurers have therefore rightly failed the performance. Wolfgang A. Leidigkeitwww.versicherungsjournal.de

Hello together last week a car driver, fully caught me. My car is now total damage (the opponent has 100% blame ). The car was put into a residual value exchange but did not sign for it. On Wednesday I got the report. According to the report, the car has a damage of 8300.-€ replacement value but is at 3,050.-€ and the residual value of the vehicle 880.-€. How does this go on now. Have no idea of the matter. Does the car still belong to me? Can I Is that how it works (please improve me if what is wrong) I was told that a €880 on the car offered. That would now be deducted from the replacement value, so I would have to get 2170 from the insurance company. At the same time, I was also told that I could sell the vehicle for a higher amount. Is that true, does the car still belong to me now, or do I have to leave it now for €880 to the person who bought it? I assume that I could sell the car for 1500.-€, then 1500.-€ will be deducted from the insurance, or only 880.-€? That’s all too high for me. Maybe someone can enlighten me here. Is everything a bit complicated. LG Marien

Hello municipality, a friend broke it up yesterday on the way to work! Thank God not much happened to him personally….. The car is however scrap (a Golf III)! Coming (shortly): He is pushed by a car into the guardrail (no touch), turns and stays hit (airbags have triggered). Then get out (this still goes) to warn oncoming traffic – however, it doesn’t work anymore. A vehicle crashes fully into the driver side of the golf and bends the whole car crooked like a banana… No one was seriously harmed by God’s praise… The causer (the abductor) escaped unrecognized without taking care of the accident. Since it was 5 o’clock in the morning and accordingly dark, neither type, color nor identification marks of the fugitive could be recognized. Also an initiated search of the police and calls via radio and newspaper remained unsuccessful so far. Since the gulf was not fully cascade insured (and anyway probably no more than 3 – 4 Tsd. Eu The car would have been repairable after the spin and the collision with the guardrail if necessary (probably an economic total damage)! The third car only disassembled the golf completely (and was of course also broken). Does anyone have money to expect from somewhere? How can such a case run out of insurance technology? Tragically with all this: The buddy is beru The car is dependent on it! Money for a “new” is not actually available…

Hello, first of all I have to say that my topic has nothing to do with vehicles, but maybe I am lucky that my contribution reads someone who knows about insurance. So, at a birthday party my laptop was badly damaged. The case was reported to the responsible liability insurance and submitted the estimate. The insurance now wrote back to me, they only transfer the net amount and the VAT only with the completed rep. and submission of the added amount. My question is now, what does it look like if I don’t want to have the laptop repaired and prefer to buy a new one for it? Do I have a chance to refund VAT? The laptop was bought in June 2006 (799EUR) the damage amounts to 403EUR (net). Eine Rep. is honestly too tricky for me, because after that something might not work that way, because there was a damage that you don’t see immediately and then it takes forever. In short, when Do I have a chance to get the VAT, too? I hope you understand my problem. Thank you very much in advance PS. please don’t be mad, I know it doesn’t belong here, but I don’t know any other advice. I think I’ve heard of Astra-H drivers here who know about insurance. Would be really cool if someone could help me. I want to call the insurance company tomorrow and I want to know what I’m talking about. MFG