Category: KFZ-Versicherung Forum

So far I always had two (middle class) business vehicles, one for my wife and one for me. At the beginning of next year I get a business car of the upper class, the second car for my wife unfortunately does not need to be. For my wife it should be an X5, probably a 4.4. Since I have never driven a private car before, it was clear to me that I have to get in with a high SF, I am practically novice. 🙂 My problem, many companies Insure the X5 only from a certain SF in the comprehensive, in France and Italy there is no anti-theft protection (there we drive 4 times a year for a week on holiday). I had the most beautiful experience with a direct insurance, which offered me only an SB of 5000,00. !!!!!!!!!!!!!I WANT TO LAKE A X5 INSURANCE AND ANY LOCATION!!!!!!!!! 🙂 🙂 Does someone know an insurance broker who could help me here? I think that I am from my work and commission I have received a confirmation that I have been without damage for at least 5 years. I have had a vehicle running on my name before, unfortunately with two accidents, so I am not a “first insurer”. My wife has no SF, since she has always driven my second business car.

I already used the search function, but unfortunately I found nothing. My wife (holder) had an accident with your Nissan Almera. She drove someone on it. I (insurance provider) then went to the workshop next day and there was a DEKRA man there who got an expert report and sent it to the opposing insurance. My insurance company wrote me today that this is probably a 50:50 case. Who pays now the expert report from the Dekr a (always 400,-Euro)? I pay 50% and the opposing insurance 50%, or does the opposing insurance have to pay this opinion completely? Unfortunately, the opposing insurance still hasn’t registered (after 3 months). Have asked what is now more often, but it probably takes another week because they have only received the police files. All other questions (which I had) have already been discussed in the forum. If the opposing insurance also starts from 50:50 Who then pays the attorney’s fees (also 50:50) ? How much will they be like this? The repair costs amount to 1199,45EUR+VAT.If I have to pay myself the repair costs (50% of them without VAT), then I also get money for the days of failure (according to expert opinion 3 days)?In the report there is once a replacement value of 2068,97EUR+VAT. and once a replacement value with difference tax of 2344,21EUR+VAT. u mean? And last question: My wife was sick for 1 week (prellations chest, neck, hand…etc.)Do you get 50:50 pain money? What do we have to bear in mind?

Hello Forum, I have been insured with HUK24 since February 2004 (Liability + Partikasko). On 5.07.2004, i.e. 5 months after the start of the contract, I had an accident, on 9.07.2004 the workshop found that the car unfortunately has total damage. On the same day I registered the car, then for the sake of security I got a “second opinion” from another workshop, which was unfortunately the same as the first one. On 15.07 I bought a new car and tried immediately, with HUK24 via email (goes even n I have found that my accout has already been deleted at www.huk24.de without any notification of email. A day later I received a letter from HUK24 from which I could see that the contract was terminated on 9.07 “because of sale or venture” and that instead of approx. 280 Euro, which would be due in about 5 months, I have to pay 400 Euro, as the Invoicing had to be made after the short tariff, i.e. it would be 60% of the annual fee due. A billing check for 600-400 = 200 euros was also included (600 I paid in February for the rest of 2004). I never intended to terminate the contract, the car was cancelled only because of the total damage; I also intend to insure the new car at HUK24. What should I do with the short tariff? For what reason should I pay 120 euros on it? I didn’t send the registration certificate to HUK24; I assumed that even if that was done by the registration office, the contract would rest. Ask for a good advice. I tried to read the insurance conditions, but I just don’t look through it (I’m a foreigner). Thanks, saaonline

hi ! times a question for the “insurance forum” … have bought my bmw 320d from a free dealer. I recently had elketronik problems and put the dealer’s car on the farm for 3 days. he made an unsuccessful rep. attempt and then said he needed the car again. but whether it takes 1 day or a whole week he can not say yet, because the electronic problems are sooo hard to find and the guarantee for electrical problems anyway does not pay. since I really very a uf the car is instructed and was already angry anyway, because he did not call a single time during these 3 days, contrary to his promises, I brought my car into a bmw workshop, which found the error within half a day and repaired the next day i.d early. so far, so good. only now does not want to pay the used car insurance, because he does not get the approval of the (free) dealer (he refuses that) and He wants to do the repair himself. and now I’m sitting there. the car is repaired, is wideder expect now a “insurance case”, because it was not the electrics but different sensors and the dealer makes with the insurance on stubborn and does not give his approval. what do you think about it ??? what possibilities do I have ?? the insurance claims that the dealer should have been informed. yes, understand, should I have my car because of the shit a total of 1.5 weeks in the workshop, just because he doesn’t comes to repair it, or just can’t find the error asking for your opinions and with high blood pressure greetings, daniel

hello professionals, sometimes a short description of the situation in advance. my car stood today on our side to park and my neighbor drove backwards into the side. exactly at soner stupid place, that kotflügel and bumper have to new plus paint. and while the just new due to styling was now my question. since I did not want to cause her any further expense, I inquired where the bumper is cheap again. in berlin was more expensive than at ebay. s he meant we do the private or over insurance. so I ordered immediately a new rod at ebay because I want to keep the cost stop in the frame. earlier she came over and meant the insurance would settle this and I would have to call Monday to tell through her name and license plate. then n comes to write and I can probably have it repaired. i.e. se innherlab a half year later can still make cost assumption and is not upgraded. how isn date nu? wars e n mistake to order the rod already privately? because I would otherwise order the plate because I certainly get cheaper than the paintr makes me price for end-consumers. n bissel is afraid that the insurance only accepts the bill of the paintr and I will stay at the cost of the rod… what do you say? was it wrong to order immediately? or can I make the privately procured rod valid? I hope that will work.

Hello, the following situation: brand new Benz with 600km down reports alternator defective car is towed into the workshop three days later it should be picked up in the underground garage of the dealer is someone in the car thundered rear fender and door to the right totally flat (in the garage only employees can not customers etc.) Workshop of course takes over the repair but can one insist on the replacement by new parts? I don’t see it a brand new car with matured and Accept repainted parts

Hello first of all, I just signed up here. I didn’t find the right one with the search function, so I wanted to ask. So I have a car and I have insurance, but I want to give it to my girlfriend and I buy a new one. But now I don’t know how to do it with the insurance, do I give my insurance a second car or should I take out an own insurance? And I also want her to collect her own percentages. I’m currently at 55%. Can someone give me a tip on how to do that? Thank you very much.

Hello! I still have an old golf I convertible in the garage, whose sale is not worth it (a lot of memories are attached to it).It is unfortunately not possible to use it as a everyday car (child seat attachment, safety, place etc.), but I would like to drive it a few days or weeks in the summer, so to speak to keep it happy – just as a third-party car. Now it costs me a registration with season registration mark for 2 months incl. tax, insurance, registration and cancellation, identification number for the short time plentiful. Does anyone have a tip on how to realize the whole thing more cheaply? Short-term registration marks are even more expensive, even if I use them only for a month. For all the suggestions already thank you! No.2

Hello guys, I would like to ask you for your opinion in a traffic accident matter. I describe the procedure: I come home from work in the evening and want to park in front of my house backwards into a parking bay, so that my vehicle is on the right to the road. When I reset back into the parking bay I close the road for a short time. A woman in another car has to wait for a short time. She stops, however, drives quite close to my vehicle. I stop my return Then the lady just drives off and walks my car at the bumper. My car stands at the time of the accident. Well, huge gestures, the nice fellow citizen claims that I didn’t get into the parking box, but drove out suddenly. Therefore I call our friends in Gün. They also get quite fixed and write an accident report without a lot of Palaver and sit down on one (excuse me, that’s what they tell me). Two witnesses watch the accident and both confirm my version. It seems that this doesn’t matter to the officials. They follow the description of the woman, but I only find out afterwards… A third witness confirms the version of the woman, but was at the time of the accident more than 30 m away and does not want to hand over his personal details. He is sent away. Now I have the hickhack with the insurances. I also have the lawyer. He told me that e What are my chances of getting out without any blame? What do you do? How expensive is an accident report? Thank you for your help Gipsy

Hello can someone tell me how it is with a test drive? Man has to sign some contract due to excess in case of an accident. Is there also something because you are allowed to do so per calendar day only… and so. a lot of km and from km so we will charge you with not buying the vehicle? Have the mini s for 2 days and would like to use a longer distance to test the car. please thank you for your advice