Category: KFZ-Versicherung Forum

Hello, my 11 month old car (list price 32,000 EUR; 12000 km) was taken the way forward. Despite the low speed the driver’s door is completely shut (must be changed in EVERY case), the door of the rear row and side part at the back also got something off, I don’t know if this has to be changed by force. Important: Threshold under the driver’s door also has a nasty kink. Had to stick the door off now, so that it doesn’t rain in, closes no more bundi G. Accident was taken up by the police (accident cause insisted, even now he still has points on his neck.) I should be right, spares clarifications with his insurance. My question is how do I get out of the number myself now, his insurance has registered and wants to have the vehicle inspected by an expert of the DEKRA.1. Can I assume that the same impairment is determined as if I bring an expert? 2. Od I have to be active myself? If the impairment is too small, can I still turn on my own? 3. What is a reasonable impairment amount? Thank you for your feedback.

Hello first to everyone, I’m addressing you because of a very tricky case: To me: I’ve had a driver’s license for almost 7 years, have been in a wheelchair for about 2 years after an accident (not a car) and get a newly ordered car next week.. Now it’s about insurance. I just wanted the car to register my mother (open service, second car, would start with 60%). Was cheap and top, she would have been a policyholder and holder (only disadvantage I would not have taxed). Now the problem: Auto dealership says that I have to be a holder so that I also get the 20% discount as agreed…And they would indicate that I am a holder 140% of the price 2nd possibility: My uncle has another decommissioned insurance (on which I have already registered n car) with SF11. Then I can be a holder, he policyholder and of the price about 750 €. But now the percent right holder is still my grandpa, who is already dead for over 10 years. The insurance says you have to transfer the % to my uncle (since the rights holder is the VN and holder 3 different persons is too much). But I would never be able to get that then, because it only goes from father-son or just grandfather-angel…But I want the % if I drive long also iwann take over. That I can not completely take over the 11 is clear (max. 7), but do you think I could leave it with my grandpa and iwann try to transfer to me? Or sol l I ask if I can transfer the % to my dad (but who no longer has a driver’s license for years) because I can then almost fully take over the iwann? I thank you already now for your help!!! Begbie

Hello dear community. Due to an economic total damage to my car due to an accident, I am forced to buy a new car with insurance. Since the market is so large, I am not quite in agreement with the choice of my new car and the associated insurance. Before I buy a new car, I wanted to find out which cars are classified quite low in insurance (insurance contribution, taxes). hem trap, and can give me information ?

I haven’t had a car for 9 years, but I’ve been driving every now and then. When I signed off my last car in 2001, I was in the SF4. Now I could take over a car and until now I have been reclassified by any insurance company to SF 1/2. As far as I know, however, this is at the discretion of the respective insurance company, whether this happens or you take over the old class. Now my question is: Does anyone know an insurance company that I classified according to my old class (SF4)? will?

Hello, I hope you can help me a little bit. I had a car accident over 2 months ago, in which another driver took the lead and drove into me. The accident was 100% indebted of her, accepted by the police and against you a fine was initiated. I had my car (Citroen C1, 5 years old) examined by an expert. It came out that an economic total damage is present (10,000 euros repair costs), the replacement value was set at 3,950 euros (purchase value 2,800 euros). I received 780 euros of residual value from a scrapper. Still remained about 3,100 for the insurance. However, the opposing insurance tried to restrict payments from the beginning or to make with extreme delay. After I had to fight with the insurance for almost 2 months, I got transferred for the 2,400 euros. The rest (something about 600 euros), so they told me, is VAT and we d transferred if I could prove that I really bought another car. After a Peugeot 207 was snatched away from me in front of a car dealership, I bought a similar Peugeot 207 (5 years old) from a private person. Of course, I didn’t think about the VAT at the moment, because the insurance said yes, that they only need the proof that I really got another car. For that I should have a copy of the purchase contract and the vehicle c The insurance company suddenly thinks that it does not have to transfer the VAT to me because there is no VAT on the private purchase. Fortunately, however, they would give me 300 euros. Is that right? It should be pointed out that a private purchase completely deletes the VAT refund. Finally, I paid VAT for the C1. The VAT for the new Peugeot 207 is I have here an article about it:http://www.accident.net/faq/items/how-is-the-with-the-refund-of-the-value added tax.html And an extract from the accident aid (http://www.auto-accident-hilfe.de/stadt/index1.htm?accident-mehrwert.htm):c.) Total damage with proven replacement procurement The victim is entitled to reimbursement of the gross vehicle value according to expert opinion (incl. added value or difference tax). The only thing that matters is that a replacement vehicle has actually been purchased. And another extract from the traffic dictionary (http://www.verkehrslexikon.de/Texte/UStReplacement02.php):The victim, who after a total damage obtains a replacement vehicle on the private used car market (i.e. not from a commercial dealer), is to replace the “shared” value added tax even then. n, if the purchase contract does not show a separate value added tax or if it is merely an oral purchase contract. And here:”If the injured party buys his replacement car from private, he can also demand the (gross) replacement value determined by the expert, according to a judgment of the BGH of 1 March 2005 (Az. VI ZR 91/04, ADAJUR-doc. No. 63616), if the amount spent on the replacement purchase reaches or exceeds that value” What do you think? Is this worth fighting and/or possibly the Involvement of a traffic law lawyer (with legal protection insurance)?

Hello to all I had a patrol damage with the guardrail. I am fully insured. An expert was also there for damage detection before the repair and has the damage to 610€ or roughly 5100€ without VAT, the replacement value to approx. 11200€ without VAT 9300€ and the residual value to 690€. I have repaired the car myself professionally, since I am from the specialist. After the successful repair came again an expert, which was sent by my insurance to the R eparatur to inspect. He confirmed,the absolutely perfect execution of the repair on the vehicle. My insurance nevertheless only wants to pay the replacement value minus the residual value, with the simple reason that I provide them with a repair invoice, otherwise there are no further payments.Whether the vehicle according to expert report and specifications has been professionally repaired. My question is, it is not enough, according to the law, that the car again more specialized has been repaired in order to have the sum less the VAT paid out according to the opinion ?

Hello forum, the following situation. I had an accident with a cyclist with my car about 2 months ago, we agreed not to make any claims to each other and to pay our own damages. On the advice of the police I reported the accident of my insurance. This now changes my SF from 25 to 12 and my contribution rate from 24% to 33%, which represents an increase of about 115 euros per year. Now my questions: May my insurance (Lippische Lan) the fire insurance ) increase the contributions although it did not make any damage regulation. How should I behave now. Perhaps another information: from the police the accident opponent and I each received a fine. Thank you in advance for your information.

Hello, today something very stupid happened to me. I looked at a car, when opening the bonnet, (the owner just changed the windscreen wipers, which I had not paid attention to at all), bangs the left wiper holder against the windscreen, there were several approx. 15cm long cracks and a big… no matter what the compelette windshield must be renewed. At the time of the damage, the car was melted on the owner, he is still. Then had The owner called the police, she said I had to be careful if I opened the hood, that nothing happened. The owner stand next to it. Now I should pay for the damage. If the owner had at this time, the wipers did not weave it, it would never have happened. And if I unlocked the hood, and wanted to open the hood, and the owner stands 1 meter next to it, he can carefully lower the wiper, don’t you think? On the change of wipes I have at all I did not pay attention, I once ran around the car, paid attention to the paint etc… Now I should pay all the numbers? That can’t be!!! What do you think, which insurance must pay for this damage???

Hello dear forum, I made a typical mistake with my first private car sale a while ago and sold my vehicle unregistered in June 2008! In the purchase contract we had agreed that the buyer cancelled it within 4 days. Of course he did not do that and when I came back from vacation it was still not logged off in September and I am with the purchase contract to the registration office and these meant to unsubscribe. As a result, I also sent it to the tax office. I’ve received the remaining taxes back and also canceled the insurance by phone. So now see there in my account missing 400 euros which the insurance has deducted me. On the phone they told me that they received a notice from the registration office of the buyer with cancellation date March 2009. The registration office of my city said that this was probably because the city of the buyer had only to find this license plate (6 months apparently) etc. . Ic h doesn’t want to hear how stupid it was of me… but I’ve had a lot of fun all in all that cost me over 400 euros. I have a purchase contract (he didn’t want none for himself). What am I supposed to do, do you think I have a chance with a legal lawsuit? The guy seems to have money already. Should I file an ad with the police or a lawyer? I’m already in despair, this sale is following me now just over a year!!! Would it bring something w can I present the purchase contract to the insurance company? Or am I simply still their contact person? Would be really grateful on advice!!

Hi community! As I’m about to get my FS, I want to get a car. Now the question arises: I’m 1.90 big doesn’t like huge cars budget 5000, rather less space should not be enough son unsightly, angular car (beautiful curves) so I like the golf 4, only the price is not quite right I hope you find something good for me. SF 140%