Category: KFZ-Versicherung Forum

hello together, I just got it on the run. someone who doesn’t drive a car anymore, but has a cheap sf-class, would sell his kfz-insurance. does that at all? in itself it doesn’t make any sense for me, why should an insurance permit this. suppose a blood-young novice would start with the sf-insurance class 10 or above, but he is a higher risk for the insurance. can ev. inform me? lg daniel

Have two short questions, where at least one is so special that I could not find anything: In one night my vehicle was stolen “something” (mirror, fog lights) and the disc was tried to hit. As if that is not bad enough, the one (or someone else) still drove by the complete driver side with a vehicle. Police investigated, but there is little hope – expert of the insurance was already there. TK and a VK-damage is… Only it really is? Just want to be sure – has a deductible for both. Will probably have to pay for the two damages in each case, right? It can’t be said if there were two separate events…if that is relevant. My second question: The evaluator (DEKRA) determined an average value of approx. 11,000 euros for the car – damage is probably about 5,500 euros and that then exceeds 50% of the costs and the car has to be put into a Residual value exchange…of which I have never heard anything before???? Is this the case recently in case of casco damage? In the terms and conditions I have read nothing about it… A third question just comes to mind: VAT will be deducted in any case, if I invoice according to expert reports and do not submit invoices, right? Thank you very much to everyone and sorry, if I have asked something now twice

Hello, have a question about the following situation: Car drives back at another car. At first glance, it can only be seen that in the victim the license plate on the car is crushed. Harmful and injured exchange numbers and agree to handle the accident privately without the police. Now the victim registers and gives 100 € for the damage to want to have and to have it repaired with a good friend (car of the victim has residual value of 500 – 1000 € … so got into the years – damage is not fixed with security). Harmful, however, is assumed that only the license plate was damaged and not as the victim thinks, is a dent in the bumper. How should one proceed? The 100 Euro pay even though the demands are not justified? — Can one have the injured person, if one pays the 100 Euro at least something signed, that he does not think that he wants more? A Is this a letter that he renounces any further demands? What does that look like? Ask for the quickest answer =)

Hello, I’m pretty angry right now, because I received a letter from Allianz insurance today and I don’t feel the impairment after a car accident is appropriate. In detail: In October 2008 I bought a Skoda Octavia 2 Team Edition as an exhibition vehicle (year 8/2007) with 50km on the clock for 16,000€. An extremely good price – usually such a vehicle costs at other dealers in this equipment 1000€ – 3000€ more. Last week it happened then: Another driver missed me when changing lanes and damaged my right fender and parts of the door. The guilt question is clear and the accident opponent admitted his error. Today I received the invoice copy of the Skoda contract workshop. Damage: 250€ In the expert’s report, which has examined my vehicle on behalf of the Allianz insurance (insurance of the accident opponent), a damage of 2000€ is stated. Where the remaining In any case, he (without the calculation) has determined a value loss of just 450€. That should be a joke?!? My vehicle is now an accident car at mileage 2070km (!) and I paid 16.000€ for it just 4 months ago. I expected a minimum of 10% reduction in value. If I want to sell the car I get significantly less (estimated 2000€ less) than for a non-accident car. I think that I have to ask for 500€. I’ve had a similar accident 8 years ago with my old vehicle. So I’ve got 600€ for a 3 year old Seat Arosa with 60,000km. Now I’m not supposed to get 450€ for a more than twice as expensive vehicle with 2000km on the clock? You would really be very helpful if you could call me a lawyer… Do you happen to know something about this area and can tell me if the 450€ is appropriate for such damage? ewtas would write. P.S. My car was tip-top, quasi like new, no damage etc. Greetings Tobias

I thought I was right, the opponent said he was right. Everything went to court, lasted for years, and now last winter it was decided: partial debt! I did not act properly, because the gap was too small, he was to blame, because he could have avoided the accident, in which he simply went off the gas. (He probably even accelerated, so that the gap became smaller). But the judge didn’t like me. (My lawyer even said that I might have been right in front of another judge…) But I didn’t want to hear about it in other instances…I just didn’t want to hear about it anymore!!! It’s annoying!!! Then I got mail from the prosecutor’s office to audition: “Prophet of the indecent false statement”. I gave it back to my lawyer to take care of it. He told me, however, that the Rec htsschutzversicherung does not pay this because it is a deliberate crime. Ok, he asked the prosecutor’s office for inspection of the file and I was accused that I had slowed down the said overtaking process. But I did not! So it was taken in in writing in court and also partially confirmed by the expert. Now the lawyer writes me an invoice of just under 500€… I now have to pay this 500€ or does the RSV nevertheless pay these costs, provided I am acquitted ? The whole thing just bugs me! I know the truth, but it is so drilled, even though it has been clarified in court, I am totally incomprehensible. I have never let anything come to my debt! I hope you can understand my anger and give a few tips. Thanks and greetings

Hello, I drove a Sixt car on the highway over a piece of truck tires. There was a slight, superficial scratch in the driver’s door. Otherwise no damage. The scratch was barely visible under the dirt. I still reported it honestly as I am. Since the scratch is really superficial (8cm long), I had hoped for some coolness of Sixt. Now the bill has come. Repair 630 Euro plus expert costs. . I find it outrageous and disproportionate to paint the door completely because of this scratch. Would I be pleased with ideas on how to equip my complaint with good arguments. What possibilities are there, for example, to remove light scratches without painting?

Hello! I had an accident on the highway on the last weekend. I drove in with my car (Opel Astra H – Kombi) someone in the back. My front man had completed a full braking, because the traffic in front of him staggered and I could not avoid in time. I have to blame for the accident. Another person, who also could not avoid, drove in the back. The right side of the vehicle front is completely deformed or broken. The rear flap is closed and partly damaged. Now I have reported the accident to my insurance (ADAC-Autoversicherung), they also immediately commissioned an expert. In his report he has determined that the repair costs of my car amount to approx. 10.100 €. The replacement value of the car amounts to 8,950 €. So this is an economic total damage. The expert has at the same time put the car into a residual value evil at the same time In order to determine the residual value. This amount is according to the last bid 3,240 €. I am fully cascade insured (SB 300 Euro) and if it is relevant: The car was financed with a loan. Now my questions: 1. Can the insurance or the evaluator put the car into a residual value exchange, for the purpose of determining the residual value, and do I have to accept the price achieved there? I could also sell it myself, right? 2. Am I correctly in the assumption that I now have the Di fferenz between WBW and RW, i.e. 8,950 € MINUS 3,240 € = approx. 5.710 € will be paid out by the insurance company? If no, which calculation basis is applied here or with what amount can I expect? The insurance company has not been very interested in information (also because the accident is very young). I also drove for almost 25 years accident-free and had this first accident now. That’s why I don’t really know the matter of car insurance. I would therefore be very pleased if I could get some suggestions or answers from you… Greeting, musti

Hello all, I have a little problem… It’s about the following situation: I and a Peugeot 207 wanted to turn right in front of me, where of course the pedestrians have to be taken care of first because they get green light at the same time. So we get green driving off (step speed), the driver of the Peugeot brakes because there were of course pedestrians. I want to also brake but slip stupidly off the pedal and shoot her at a small speed rough f. Have then looked at the damage at the next parking lot… with me the front headlight is broken, is no longer bad… with it (though through the glass fragments which were still on the headlight) were a few deep notches and scratches on the black shock rod which the Peugeot has there. It was the black cover as it can be seen at this:http://upload.wikimedia.org/…/…%BCrer_Tendance_Neyshablau_Heck.JPG As this looks you can separate the thing. park sensor didn’t have any because obviously the place is intended for it, but she meant it didn’t. She wants to have this repaired now at a free workshop at her in the village. But well he will probably also order the part from Peugeot and install it. What do you think the cost will be with the installation ? Many thanks in advance.

Good evening dear community, I’ve been thinking about how much my insurance will cost me for weeks… I’m about to get my high school diploma and still in my driving lessons, but I think it’s important to know how much I have to pay later. My parents both don’t have a driver’s license and so I can’t get into the insurance with them either, so I think I have to get in at 230%. Now I don’t have any dreams about the big Audi or BMW, but Do you have advice for me how to do this with a 400€ job to pay my insurance? The money for the car would not really be a problem, the contributions for the insurance are the ones that scare me. Car up to max 600€ would still go I would be grateful for any help. with kind regards Shance

Hello together. I have a little problem with my car, and the corresponding insurance. It’s like this: My car insurance (partial kasko) was completed by my girlfriend’s grandpa (because of the amount of insurance contributions), I was only registered as a driver, and therefore didn’t have to sign anything. Now the monthly insurance fee was always debited from my mother-in-law’s account (or we should say better be debited). After a while, a letter comes from the insurance company, which could not be debited from my mother-in-law’s account, and therefore my car is behind. Now, my girlfriend’s grandpa wants to ask me to the cash register, and how did he say: “Get the money in another way” almost ads me. If I think about it that way, he can’t do it at all, because I didn’t sign anything with the insurance company or ? I wanted his A nzeige come before, and show my mother-in-law. Can I be somehow prosecuted there? Liene Greetings masterriemi1702