Category: KFZ-Versicherung Forum

Hello people, have a little question about how to change. So current situation: my mother is a holder and I am an insurance holder. the car is registered in circle a by my mother. now I want to switch to another insurance, which is significantly cheaper if I am a holder and an insurance holder. so I have to register it to the circle in which I live so circle b! where do I have to go now and what do I have to report everything. P.S. the car should if possible always be ready to drive so it wants to log off somewhere completely so that I can drive for the first time even net… hope you understand me… number plates I must therefore also make mandatory, since other circle (b)?!!! thank you for your help

Good morning. My situation is as follows: I was a driver of a Corsa B until a week ago, who ran as a second car over my mother insured with the XXX insurance (I am 23 had SF 6 there). Meanwhile I bought a new one (3 years old Golf V). To my expert at the XXX insurance, with him clarified that I could take SF5 (have had a driver’s license for 5 years) for the “new one”. So far so good. But when I heard the premium, I was almost bad. I then made a comparison yesterday and came across much cheaper direct insurers. My question now is: Can I change the insurance now within the withdrawal period (my professional doesn’t expect me to leave it) with the SF 5 taken over? (don’t have an insurance certificate yet)The change and revocation is possible within 2 weeks, nevertheless I am not sure about the SF. I am very grateful for helpful answers. I’ve already tried the search only specifically I haven’t found this case yet. Greetings

Hello together, maybe you can enlighten me. I took out a motorcycle insurance on 25.08.2015. Liability 96.50 Euro Teilkasko 79.80 Euro = 176.30 Euro per year. For the period from 25.08.2015 to 01.01.2016 an amount of 61.71 Euro was debited. This is the first amount I cannot understand! Now I moved three days later and the amounts have adapted accordingly Now it costs liability 83.90 Euro Teilkastko 34.30 Euro = 118.20 E uro in the year Now 15.02 Euro have been refunded to me with the following invoice contribution from 28.09 to 01.01 costs now 30.53 Euro return contribution from 28.09 to 01.01 45.55 Euro ================================================================= Results 15.02 Euro Insurance is the Bavarian. Can you help me understand that? I do not know how to get the best of the first amount. Then I would have cost the three days in the old residence over 15 Euro. In my opinion the first contribution is wrong Do you calculate this per day or per month? Are 30 days per month? My bill would be as follows from 25.08 to 01.01 -> 3*30 + 6 days = 96 days 28.08 to 01.01 -> 3*30 + 3 days = 93 days old post 96/360*176,30 = 47,01 Euro new post 93/360*118,20 = 30,54 Euro return fee 93/360*176,30 = 45,54 Eruo I’ll see what, or have they charged me too much at the first time. Thanks and greeting Johannes

Good day, my wife has recently driven someone in a large parking lot while parking backwards into the passenger side when you were on the road straight out (about 5-10 kmh) (result between fenders behind the rim and passenger door). Now the accident opponent wants out on partial debt, the police told us that it is clearly his fault. What do you think about it (police didn’t want to come because it was still seen on the spot by the accident opponent. Refund)? I have uploaded a damage draft. mfg

Hello, I just had a little accident. And I wanted to park in a supermarket parking lot from the parking space backwards to the right. I was already about 3/4 outside when I noticed a car from the left. I braked of course and at the moment I came to the stand (that could have been only a few centimeters) it already popped. Balance: On my car fortunately only the rear left corner is scratched, on the other vehicle are scratches from the front left to the rim The fender is literally flaked. We then brought the police, which took everything and meant, alone because of the fact that I drove backwards, I would be to blame (special duty of care). But can you really say this so flatly ? Who parks backwards is automatically to blame ? 100% ? I am interested in this now especially from an insurance technical point of view ! The expected 30 € fines are not important to me At the time of the accident, the parking lot was icy and very smooth (was also taken up by the police), which is why I drove very slowly and stopped 1-2 times in between to look around. A quick drive and “shoot” out of the parking space was not possible at all. At the last look I saw that another car was parked on the left of me. My accident opponent later said that he had waited behind and had him parked. After that he was only but since I was almost outside and he was driving on the opposite track, he must have seen me and could have evaded, brake or honked me? My guess is that he could not do anything anymore because of the smoothness and slipped into me. Although my neutrality is probably disturbed, but from the traces of the accident he drove against me and scratched me for about 1 meter. Am I going to drive further and could not do anything more… still 100% guilty ? Wasn’t there even a 50:50 rule in such accidents in private parking spaces ? My insurance is unfortunately only reachable on Monday and my blood pressure is rising again…

Hello, it is about an accident without fault, in which a repair report was made by an expert. The amounts listed there are communicated to the opposing insurance and taken as the basis for calculation. Today there is the letter of the same insurance, where among other things the wage costs for painting work with reference to a comparison workshop were reduced by more than 100 €. Likewise, the wage costs for bodywork and mechanical work with the same In the search I have found posts, where (at least in relation to the hourly rates) this is presented as wrong. Is that actually the same (was older contributions)? If yes, would a reimbursement have to be made here by the corresponding insurance? Are there legal judgments to which one can rely and which of the opposing insurance clearly and clearly point out my legitimate concern (possibly even without involvement of a lawyer)? Thank you and greeting Martin

Hello MTler, I had cancelled my old car insurance and of course I was looking for another cheaper insurance. I was in 2008 in the SF 2, so from 01.01.09 I would be in the SF 3. As far as everything was good, but today I got a post-payment request of the new insurance with the change of the contribution rate and a classification in the SF 1 class. Furthermore it says “change of the contribution class according to pre-insurance”. ts in the SF 2 all year round. I’ve never had any damage to the vehicle or anything else with my car insurance. What do you say?

Hello! I and my husband would like to get us a new car, have already made our choice and called the dealer. Financing everything ok. Now it is so that the dealer is about 400km far away. We, I and my husband had presented this now so, we get short-term license plates, drive with these to the car and should everything be ok, we wanted to take the car with us and the dealer should send the letter to our registration office so that we can register it. the dealer does not, since short-term registration marks are insured only liability and then something should happen, who then gets up for the damage to the car. His statement. The dealer wants us to look at the car, who we want the car to take the vehicle letter, register the car with us and then drive back to the dealer with the registration plates and the car and return the letter. He does not give out both letter and car, because financing, and he gets no money who the dealer I don’t want to go to the bank. Okay, I can understand. Are there alternatives? I don’t want to drive the 2 times.

Hello people, now I also got caught ma. Had on 04.12.08 the accident with my Astra, but not self-inflicted. I got one into the side and ruined the whole passenger side. After a long time back and forth the opposing insurance offered me to pay my damage “in the scope of its entry obligation “. This was on 17.12.08 after that I did not hear anything of them even on written requests. On 04.02.09 I got then Finally a call that send me for the 05.02.09 an expert, which also came. He determined a damage in the amount between 1800 and 2500 euro. I have not yet the exact report. But it is certain that it is an economic total damage. This morning I got again the letter from the opposing insurance, that the report was received by them on 07.02.09 and they will now calculate on the basis of the report and pay me the damage. Now to my question what time period do I have to expect until I get the damage paid??? lg kai

In October 2008, on the basis of an Internet calculation of chek24 with Allianz24, I signed a contract for a car liability insurance. “Sit back relaxed”, said the friendly representative at the end of the management, we canceled the current insurers. On 28.10.2008 an e-mail arrived at my office, please announce the pre-insurer lateesatens until 30.10.2008. However, I only opened this mail on 1.11.2008. So literally 10 before 12 still by fax at the direct line She didn’t want to accept the termination because late. I: Various lawyers in who-weis-was scrutinized: result, the termination must be accepted, the 30.11. was a Sunday. The alliance sent me a contract for a xx-xx139 and a xx-xx13, the latter does not exist with me. At the same time exactly on the cent 2 times the same amount was debited. I call there, declare the error. For minutes I was taught in the school master manner and without insight, I have concluded two contracts. So I canceled the full amount (other than the bank) and transferred the correct individual amount again, that was on 2.1.2009. On 10.1.2009 I get the right amount refunded, at the same time I find a message about not redeeming a direct debit with clear indications of consequences for me. Now they want to debit the “right” amount again. I don’t have a good feeling about it.