Category: KFZ-Versicherung Forum

Hello, since I’m new here and didn’t really know where my topic comes in, I first created a new topic. It’s about the following topic, I’m going to the bank and I’ve parked the car in front of the bank, locked it and I’m in the bank, coming out and the car’s gone….rolled away and driven against a high curb and took a traffic sign. My question would be, the car belongs to my mother, it’s “only insured”, I just took her car as well, because mine was with my girlfriend at the time. I am 24 (also at the time of the accident), the car is fully insured, but since I am guilty and not “with insured” I do not know now if the insurance takes over the damage, according to the expert report it is an economic total damage! Please help me further…. Thanks in advance

Since I had a small accident, I have now received a damage report from my insurance company. However, I don’t know what I have to register there now. Above there are 2 boxes. Once a motor vehicle liability and once a vehicle insurance (kasko). A few hours after the accident I had called my insurance company and reported the accident. However, I could not make any details to participate therefore the on the phone had first my Kaskoshad Do I now have to check liability for the damage report or both? And to the details of my vehicle. The car is standing at the tow truck in the yard and is no longer ready to drive. So I can’t say exactly what damage is present and also not how exactly the mileage is. Since you had also asked the data from the tow truck on the phone and wanted to send an expert from the tüv to ask me if I have to give information now or it all stands in the report. in the case of the pre-damage I am not sure at what amount they were because I had not yet had an estimate made for the old damage. I can also not give any information about the external damage since the towman has retained this police report with vehicle certificate and key for the expert or something. On the 2nd page I should then describe the damage. How exactly must be there the information. I no longer know if I only there I could not tell if I was just on it or slightly oblique. I had only seen the back and braked and tried to get a little further to the left and then I just heard noises and then somehow got off the road. On page 3 it is called something because of communication according to § 28 para. 4 VVG about the following in case of violation of obligations after the insurance ngsfall. So things about information and informational obligations and things because of freedom of performance in case of intentional or gross negligence injury. Since I can’t actually allow the insurance to shorten or stash anything in money I have to give as exact as possible.

Hey, I hope you can help me… Had an unindebted accident on January 23. Car was towed to the workshop, commissioned expert reports, to the lawyer and handed over the whole matter to him. Now my lawyer scanned and sent me the letter, which went to the opposing insurance. My intention was to: – Sell a car (according to expert reports, to the highest bidder) – get repair costs without VAT – get compensation for loss of use Now I have a problem, and my lawyer sent the letter, where the costs are claimed, on 15.02.. With a period of 2 weeks – until 29.02. My problems are now the following: 1. The bidders in the report are bound to their bid only until 27.02. 2. The loss of use was requested only until 06.02. – date of the report – (by my lawyer, without consulting me) Therefore my questions: To 1.: May I sell the car already, without a final A This means that I lose an interested party and the opportunity to sell my car. Am I now the victim in this respect? To 2.: Is this true that you only get the loss of use until the expert report has been created? A reference period of 6 days and a replacement period of 12 days has been specified in the expert report. In addition, I currently do not have a car and do not have a rental car. I hope you can help me there … I already called the lawyer at the law firm because of the second case, on Friday. That was noted and I will probably get an answer tomorrow or Tuesday. Greetings: I’m not going to be able to get the loss of use?

Hello. Yesterday I came home and put my car in normal place on our farm. A few minutes later my father is out, with his car out of the garage backwards into my car.. Does this now pay the insurance? Car 1: policyholder= My father(partial cassock without SB, 40%) Car 2: policyholder= My mother + registered driver= I(full cassock with 300 SB, 70%) I also live at home(have heard that the role is playing) We have the insurance I want to know if they have to pay. Not that we give the car to the workshop after the report and then the insurance arrives and says that we have just seen that we do not have to pay… Thanks in advance for the help… Greetings

I have already comprehensively informed myself about the topic and it is clear to me that no VAT will be refunded on a fictitious invoice and that is also OK. What bothers me about my compensation, that the shipment costs were completely cancelled and after a workshop comparison also the repair costs were clearly shortened. But first of all from the front. My parking car (KIA Rio, built in 2005) was hit by another parking car. The cost estimate is net 1362,41. I then sent the estimate to the insurance company (Aachen Münchner, GENERALI) together with the damage report. Shortly afterwards a deposit of 800€ was transferred to me and it was said that the remaining amount will be paid after an examination was completed. Almost a month later a new letter from the insurance company arrived. The 2nd amount consists of the calculated repair costs (933.74€) plus a flat fee (25.00€) less the 800€ already reimbursed. Overview: Costs calculated according to estimate: 1362.41 Costs calculated (insurance): 933.74 Difference: 428.67€ What exactly has been shortened: Spare parts: ca. 28 € Additional costs: ca. 172 € (delivery costs completely deleted) Wage: ca. 66 € Painting: ca. 161 € As far as I have read the Verbri I also assume that ATU is not a comparatively expensive brand workshop and that the costs for spare parts are also to be reimbursed in full. I do not find the compensation paid appropriate. Should I, in your opinion, contact a lawyer who knows about it?

Hi people I noticed something strange and I see 2 cars a Maserati Quattroporte all the time and an Audi Q7 both have new spa time marks on it every week. But I haven’t seen any cars on the road yet. But they don’t belong together in different places. First of all I thought to myself a bit too expensive the insurance and only every 3 months to drive around with it but they really have new ones every week. 80€ per week, will the normal login be cheaper or ? Find I really very funny, maybe you know where the trick is ? That would be just under 4200€ per year PS: They are not exactly in “well clothed” areas

Hello you love , I have a problem ! 3 days ago I drove with my driving community to work . in the parking lot then it happened I opened the door and ZAck a violent wind surge has scratched the rear door of the AUto one of my work colegins . and caused a bump , according to cost estimate of the workshop 1000 € harm . Now the problem is that my vehicle owner would hate to use her own insurance since she recently Sel about an accident had and was rated very high .+ 300 € self participation. Can I run the clt. about my private liability ?would be a dream, always I have caused the harm yes also for your answers I am now very grateful Greeting Domenic

Hi, so here’s my wife (with daughter 8 months) drove my car in a one-way street and 30’s zone when a guy was hanging out and honking all the time. In a bend the spade wanted to overtake, and then it came to the accident. The guy got out and started screaming and mumbling. Pointing his finger at my wife and “you’re to blame, you’re to blame” “swoke at allah” and so a young guy who saw this came to my wife and pretended to be a bitch. The police were called, and the accident victim kept piling around… .. Anyway, the fact he’s almost nothing to see… could get it away with polish. But this guy didn’t deserve it any other way, yelling around, meien woman asked him to be quieter because the little one screamed, but he got louder. Damage: rear door lower part light scratches plus on the wheel box also small scratches. The police were there and by the witness is 100% confirmed that he’s guilty. . Have his name and verse no. Question; how do I proceed ? do I have to report my insurance ? or is it enough to drive to the workshop or to prepare KÜS expert reports and to send his insurance ? Thanks already once greeting

Hello together, I am about to buy a SMART 451 42 and look for a suitable insurance for this. I found the insurance for members of the SMART Club Deutschland e.V. in the forum. These had demanded for 2011 for the HP 185€ which is unbeatable, however the whole for this year has increased to 495€!!. The following circumstances: – as first car – 3 drivers from the household every over 10 years driving license without points – collective garage – NRW – private use – 15tkm annual – incl. partial cascade – SF3 70% My current insurance gives me a half-yearly amount of 280€. does someone have a tip for me or am I well served with 280€? THANK YOU

Hello guys, I’ll soon be 18. Now I have to decide for a car. My view would be one: VW Golf IV 1.4 (75 hp) or an Alfa Romeo 147 2.0 (150 hp) That would be my first car. I have no idea how much horsepower is best, or what the costs are. It would be nice if someone who drove the cars, told me what he paid for it. Are 75 hp too little if I wanted to be on the highway a little faster on the road? Does anyone know what the VW or Alfa at the highest the next question: How would you insure your car? Full, or partial cascade? I would be very, very interested in the prices, or experiences of the cars. Thank you very much in advance! 🙂 Joel