Category: KFZ-Versicherung Forum

Situation: Accident in the parking lot, one (A) slowly drives backwards out of the gap, the other (B) is too fast: (A) has slight abrasion on the bumper, since only hit, you can rub everything away or polish it. Small deep scratches, so actually a case for the change, however, leaves it, since only beauty mistakes and he thinks that he has 100% guilt. (B) has his complete side wall painted, € 2500,00 insurance from A says partial debt. A is happy and de Is A at a disadvantage if he doesn’t have an expert report immediately? A would like to wait so long with an expert report, until it is definitely certain that it is 50:50 fault, because he does not want to be upgraded in the UK, is actually only a small scratch, but what the other can, A can for a long time. Tips?

hello first of all to all in the motor talk forum, have the following problem… a colleague of mine left a heavy scratched water canister on my bonnet (VW Golf 3) about 10 days ago, which then left a damage in the amount of 760E grosso(636netto) by several scratchers. had a cost estimate created by a vw workshop and wanted to let me pay the money. now his r+v insurance representative means that I have a cost calculation would need and I can’t have the money paid out, so the net amount can’t be paid out because it’s a private liability damage. my knowledge, however, I have a claim on it or not ??? thank you

Hello, unfortunately, my newly acquired convertible was already victimized by youth chaoten on Friday. One of them ran a little wild on my car by kicking off the mirror, throwing glass bottles against the car and kicking a decent dent in the door. However, since I happened to be standing on the other side of the road, I immediately caught him and let the police come. they took everything in so far and I also took place and filed a criminal complaint against him. llt. so far – so good! But now the problem: the perpetrator just 19 years old, according to his own statement no private liability, income probably as good as not available. Do I now have to expect to remain on the shaen to sit? Even if the perpetrator should be sentenced to social hours, is not really helped me! Since at least the passenger door and the mirror have to be repainted, I assume more than 1000€ damage. Which is possibly also important; he was drunk. (w) Is it possible, however, that he is still incapacitated? What possibilities do I have? I heard earlier that if he still lives with his parents, I can also step up to them, even if he is already 19 years old? Thank you for your help!

Hello together. At the beginning of the month someone damaged my parked car. The police took the accident. After consultation with the accident opponent I contacted the insurance and after consultation I ordered an expert report. Reports and police report are available to the insurance. A demand at the insurance showed that everything was available from my side. Only the damage report of the causer is missing. He has not yet reported the damage to the insurance. The clerk, however, very nice and understanding, said that without the damage report from the U-causer a regulation is not possible easily. When does the liability have to pay? I do not assume that it can take so long for the policyholder to report. That could then be xxx months, if any, until then. Thanks for information

How to read: Type classes – new risk characteristics are to be integrated into the liability type classes “new” risk characteristics. For example, residential property, user group and user age. These have been taken into account so far outside the type class already as increases or reductions in the premium calculation New appears the characteristic “vehicle age when acquiring”. 100% clear is not the article. How is this to be taken into account directly within the type class in the future? Is there actually an inventory protection for old tariffs or can the insurance be forced to change to the new premium calculation? I even have the old “PS tariff”, which was valid until 1995. Fortunately (since cheaply) my insurance does not make any institutions to change this.

I just want to document the progress of my case here, in order to give others possibly an increase in experience: 1. I was damaged on 16.12.. Someone drove me backwards with a 10m long lobster into the rear side when turning. 2. On 19.12. I had an expert report from the DEKRA done. After this damage was a total of 4,765.96 Euro (net). I informed the insurance that I want to have calculated according to expert report. 3. On 27.12. I gave the car to “Karoseriekün costs 800 € plus 117 € for an A6 taillight via Ebay (at Audi approx. 300 €). 4. On 05.01. I received an advance payment of 3000 € from the Allianz after call with the indication that the examination of the GA is still running. 5. On 17.01. I received a final transfer of 555 Euro. The reason for the deduction was “average work costs” to be applied and a painting measure that might not be necessary. 6. On 18.01. I called the insurance company and asked to pay the missing €1200, as otherwise I would sue. I should call again next Monday because the relevant clerk would then be back in the house. She should then tell me how the alliance would still show kindness. 7. I can already make an appointment with the lawyer for Monday if necessary, should I not be satisfied with the offer of the alliance.

Moin people. I hit a guardrail last week with my Mazda 323f bj (Bauj. 2002). At first I thought that nothing happened, because the impact was almost not felt. When I got out, I saw that a headlight was scratched, the bumper was pressed in about 1cm under the bonnet and the bumper was scratched. (at the guardrail there was no damage) Now I was in a workshop and the damage amounts to about 21 00€. Hardly imaginable. I thought a new headlight and the bumper is directed and good. Well, the big problem with this story is that according to DAT my car is about 220€ worth or was before the accident. Now I just hope that it is not a total damage! How do I have to behave now, or how should I regulate the damage? Do I have a 10-year-old car repaired? Do I calculate after cost estimate and try to get the car back in fire again at low cost? in case of a total damage I will only get a minimum amount (with the car) or? Well, it depends on the residual value. But since the car is only a little whipped up in the front, it will certainly not be so small… And the calculation of the replacement value- residual value = sum Or? Greetings Akkmann

Hello dear forum members, yesterday had a small accident with a car from a buddy. Briefly to the situation: wanted to drive by car from my buddy from his home short to me, because my car was parked, took the key and am gone. So far so well, the way home leads me over a short piece of highway. I turned off from the highway and at a junction left, through the wet road and a little too much at the gas came to me the rear and could not more capture and then stood by 180° in the field, nothing happened to me because of the low speed and on the car externally as far as you can judge only the bumper side off and the rear insert went down on the exhaust, as well as a few scratches on the side skirt. Whether something has been warped will still turn out. My question is now, because of the unauthorized abstention of the key pays my PHV or has to pay his insurance for it. Theoretically, the insurance or the driver group so determined that I should also have driven. For your help I would be very grateful? LG Markus

Hello, I need help.. Is there perhaps someone in the forum who is the lawyer or does someone in my area (41068/MG) know a lawyer who could help me? It’s about a damage to my old car. I had parked the car, right in front of the house. A child parked his bike next to it, which fell down and caused me a big scratch in the driver’s door. the mother was also there and I called the police. But they only exchanged the personal data! I w ar then at a workshop, have made a KV. which amounts to 1100 Euro! The whole happened however in September. The accident opponent has not really registered so far. I have already made contact with the insurance company, which told me today however that you do not pay the damage because the lady does not report. so, now I am sitting on the damage. In the meantime I sold the car and had a depreciation. It is simply annoying, because apparently no one I just called the police again and wanted advice, but they only said that I should turn on a lawyer! But I have no legal protection, so I would have to pay it myself! Well the point, I don’t know how expensive such a lawyer is and I don’t know if I have any chances of getting the money at all! Does someone know a lawyer who could help me cheaply or is someone himself a lawyer and could tell me how my chances stand? Or w as I can do??? The lady advertisements?? Help….

Hello , I have a question and that someone was stolen a vehicle , so off to the police and insurance . The police said that the “fahneden” now 4-6 weeks after the vehicle , if it is not found until then one gets a proof that the investigation was stopped unsuccessfully . Thus one can then to the insurance and the refund then to one the money (if partial cassock ). To say it can be rough over it takes approx. 8 weeks until one the money for his stolen driving Now comes the real question, why do you have to wait for the 4-6 weeks+ the time the insurance needs to transfer the money? – You don’t have to accept the vehicle when it is found, so all possible things could have been done. – You are assured that in such a case I will not be worse off than before, you can’t stand there now for 8 weeks without a vehicle, you can depend on it (work etc.). are the damage immediately remedied (i.e. the money is immediately transferred)? Or a rental car for the time you have to wait for the money? This is a purely fictitious case and came into the conversation with the beer, so here should not be legal advice, which you can not.