Category: KFZ-Versicherung Forum

Hello, I have now insured my Golf 3 a few days ago and must pay at 35% twice as much as normal only because I am novice. so 800€. Now I have learned however, that a friend of mine, who also drives a Golf 3 and also novices is not even half of what I have to pay. Although the car is also registered on it, as with me and he also runs the insurance over a known and thus also has 35%. can that be that I have to pay over twice as much although we have the same conditions ? And can I make use of the right of withdrawal (you can within 2 weeks and the insurance completion is only a few days ago) and then e.g. go to his insurance and take the percentages and then also have to pay less ? because to pay the half it would be worth it to me in any case . and another paid for his ibiza at 55% also only 400€ with the same framebed ingengeben as with me! something can’t be right

Hello dear forum. I have already read and heard a lot here. Always some expensive cars are scratched. Out of envy, out of hate or why. Well, what if someone wants to invest a nice car. 80,000 € any new Porsche or something. This person has no private property and parks on the road. Now come some full-fledged and destroy the car. Scratch everything, kick in everywhere, hit slices, bite the mature, chop with a m hammer up and everything. Damage : we say ma 10,000 €. Yes, now the owner has bad luck because he drives such a car or what can you do now? Extensive? But then you have to pay a partial amount yourself. There is no other form of insurance to compensate for car damage. So especially vandalism. That you can bring the car back to forderman for example 2 times a year. Just unfair, because you are afraid to get a nice car. A garage is nice and good, but not You always park there. Sometimes you forget it, or you park somewhere else with relatives or friends on the public road. So how does an 80,000 € car owner protect himself?

Two weeks ago I finally got my car back. A Peugeot from a Hyundai dealer. Now 500 km from the contract workshop and two weeks after the purchase some defects occurred. So the seller asked me to drive to the next Peugeot workshop and have the fault memory read out. Among other things, the glow candles were defective and the fuel filter leaked. The Peugeot workshop phoned with my salesman and faxed him They also told me that the garage master of the car dealership only wanted to clarify the cost assumption. For me 500km from home it was clear that the costs had to be covered. The man of Peugeot also assured me that I was not ready to drive 500km with a defect car. I therefore gave the repair order. Later the seller on the phone told me that only the fuel filter should be changed. The remaining defects wanted to be replaced. I would have had to drive 500km home with defective glow plugs as well as a defective tank cap encoder (as a result of overloading the particle filter or something similar). Since Peugeot had already fixed these errors, my seller refuses to take over the costs as a guarantee case. I can’t imagine that I am obliged to drive 500km for such defects in order to have these repairs and can’t imagine that I can repair the By the way, when reading out the error, it was noticed that the battery must have been empty once (thereby some small errors). This was the case when I had tested the car before the purchase. For me, this means that the seller has never looked for errors or defects in the car himself, or did not let me look. Therefore, some defects may have been present before the contract was concluded. I have lost the fun of my car unfortunately. Thank you and thank you very much! Till

Hello, short to the accident: When waiting at a traffic light, a car drove up and delayed me to the two cars standing in front of me.The report contains the following data: Repair costs without VAT 16.293,06 EUR incl. VAT 19.388,74 EUR Merchantial impairment 1.100 EUR Repair duration 15 working days Replacement value without VAT 22.100,84 incl. VAT 26.300,00 EUR Comparable driving points are mainly offered with regular tax. VAT 11.350,00 EUR Replacement period 10 working days Usage failure class H 65,00 EUR/day Would be nice if you could answer the following questions about the report. Is a fictitious billing possible with the data? Does the car then have to be repaired or is it also possible to sell to the residual value buyer indicated in the report? Is it correct that I receive the impairment only after repair? A repair period is indicated with 15 working days. If actually repaired, isn’t it? Is there a loss of use for Saturday and Sunday for the repair period, then a total of 21 days? Alternatively, a settlement to the replacement value less residual value is possible, isn’t it? Can I sell the car at the remaining value indicated in the report directly after I have obtained my opinion and have to wait until the opposing insurance company registers? The replacement period is indicated at 10 working days. Does it look like Saturday and Sunday? In what period of time does another car have to be purchased (e.g. within half a year)? I am happy about every answer. Greetings Sunshine1981

hello together, since the beginning of juni 05 I have now my car, annual car golf v. am currently insured at huk, for this half year I am at 140%. from 2006 my freedom of harm discount is at 100%. what do I have to consider if I want to cancel the insurance if other good insurances are cheaper. how do I proceed exactly, step by step? will I be automatically hired in the other insurance at 100%? are there conditions? have no idea at present. which insurances n are good and cheap, respectively better and cheaper than the huk? thanks for your help in advance. ie

Good evening dear Com, I had an accident (wasn’t guilty -> debt question clarified). The expert estimated 6942€ for the repair. Restitution value is 7550€. What possibilities do I now have to buy a new/used vehicle (from the dealer of course)? I find vehicles that would be priced in the frame, only I would have to make cuts in the equipment, let alone my subsequently bought rims, springs and multimedia equipment. I somehow avoid this “restitution value abstinent residual value mismatch”? Would you like to pay me the repair costs abstinently of the VAT and sell my accidenter himself, but that doesn’t work for anyone? Or do I always “just” come to this 7550€ replacement value? Hope you can help me further, don’t look through it any more. The expert says something different than my insurance broker,…. With kind greetings

Hello all, I have a huge problem: I sold my Honda yesterday, as far as so good. Sales price 1550,- In the contract I “sold as seen” and excluded the withdrawal. Now one day later the seller arrives and sends me pictures of allegedly defective brake parts and a supposedly broken and welded front axle. This should come from a concealed accident. Lt his data total damage! After yesterday, today the brake is supposed to be fixed. By the way, I drove 2 weeks ago 900 km with the car in 2 days. There happened nothing more funny. I announced defects such as the rear crash and recorded them in writing. Brakes in front were renewed, so a rear renewal was excluded. He now refers to a cost contribution or he invoices me these costs + some towing fees, because the train allegedly is no longer suitable for traffic (tüv without having to make brakes at the front in the near future in July NEW) And brakes at the front have I renewed. What do I do now? Is this a fraud? He buys a similar car, he sold his previous one to have 10 Ps more?! Should I ignore this and let it happen to a possible litigation? That’s not so kosher. I hope I get quick advice here!

The following, I had an accident on the road last week. A motorcyclist had put himself strongly into the curve and came to me on my track. Despite braking it was no longer enough and he smashed me with his skull a part of the front. I had animal luck that was behind me a police car, which observed the accident directly. Thus the guilt question was solved perfectly. The accident damage is 7,800€ and now my workshop got a Br The problem is, the motorcyclist is in a coma at the moment. I have now sent the invoice to him and will start the normal order for payment later. My question is now – what is who? n the motorcycle is permanently lying in a coma or dying? Does it make sense to direct me to the woman – I mean in the event of death she is stuck anyway by the estate, but what if he does not die and just remains a coma longer?

Hello! I have a burglary damage to my vehicle. In the ABB’s of my insurance it says: “Don’t let the car be repaired completely or not professionally, we pay the necessary costs of a complete repair up to the amount of the replacement value reduced by the residual value”. Since I assume that the WWW and the RW of my car will hardly differ due to the age, I ask the question here, since otherwise I have to reckon with it, purely even I don’t know if I can get anything from my insurance (SB 300,-). It is questionable whether I can make a repair as a layman (who has already made durable body widths) which is considered to be professional. However, since the history also requires painting widths, I don’t know if one can speak of professional if it holds afterwards and everything is / remains ok, but the repaired areas do not look as if they had painted a paintr. It would be nice if you could give me a copy of my insurance policy. Ft could give. Best regards!

I actually wanted to have my car repaired at Audi in ratings because I work there. I just put the text section in and look what you mean: we have made a reduction in hourly billing rates. Although the victim can fictitiously calculate according to the prices of a contract workshop, the victim, who has effortlessly an easily accessible cheaper and equivalent repair option, must be referred to these. (cf. BHG DAR 2003, page 373, 374). The following repair operation performs the repair of your vehicle to a more favorable repair method: – “XYZ ich machs günstig” Bodywork and paint shop in Mönchengladbach This repair shop belongs to the DEKRA certified master plants, which carry out repairs/repairs according to the recommendations and guidelines of the manufacturers. The works are carried out using original spare parts and taking into account If, in the event of a number of possibilities leading to compensation for damage, the victim causes a lower burden, the victim is, in principle, limited to this ceiling with regard to his right to claim. If the victim can influence the amount of costs to be incurred for the repair of damage, the victim is obliged, from the point of view of the obligation to reduce the damage, in the context of the economic path of the damage, which is reasonable to him. g. This does not require any extra effort for your client, as we have billed according to the specific prices of a workshop close to your place of residence.