Category: KFZ-Versicherung Forum

Tonight, the police of my home town slightly damaged the rear door (driver’s side) during an operation. I parked in the parking lot of a supermarket next to a police vehicle. Shortly before entering the supermarket, I learned that the officers were taking a drunken person who was fighting back. For a short time, I watched this happen and saw from a distance that the drunken person was forced into the back seat. Without further thought, I did my job. When I came to my vehicle, she saw the dent on the back left. So on to the police. Now she told me to file a criminal application against the drunken, because he would have kicked the door from the inside. His liability insurance would then regulate the damage. I, however, was and am of the opinion that the police had to pay for the damage, since it is the vehicle owner (in addition, the officials could have reset the car if a problem-free e-mail system were found. I don’t know if the drunk person really kicked the door. Furthermore, the question arises whether a person on the side of society has a liability security at all? The damage was also caused by the police vehicle etc. … Does anyone know the legal situation? Who has to pay (the state or the arrested person). Shouldn’t the police regulate my damage (as collateral damage of the operation) and then Anyway, I am grateful for every tip. Otherwise, I wish everyone a nice Pentecost.

Hello guys, since my golf is being upgraded to car gas at my VW dealer at the moment, it was nice to borrow a Lupo as a replacement. Last night, unfortunately, something stupid happened to me with this car. I hit a big stone on a green strip next to the road in the semi-darkness. I turn around with the golf almost every day and there was never such a chunk around. I could bite my ass like that. There I drive for years without the tiniest Parkrampler and there What I saw yesterday with the flashlight didn’t look good. The lower unpainted part of the bumper is pressed in at the left corner and also from the lacquered upper part a small piece is broken off at the edge to the unpainted part, which is hardly noticeable. I was able to push the dent out again with my hand, but in the plastic there are still clearly the scratches and a pinch to be seen. The only positive thing is that the painted part didn’t get anything except for the small corner. (perhaps stuck and right on the car) I can’t even assess what the repair would cost. Now to my questions: I got the rental car without any signature. VW wanted only a copy of the driver’s license. In such a moment you don’t think of anything like that. I just know that the car is probably also rented for EuroMobil. . I realize that I screwed it up myself, but what about the insurance cover here? Are such cars fully casco-insurance? Do I possibly take over my own private liability? Was one of you ever in such a situation? The car is so capable of driving and I don’t know when my golf will be finished. So I have another day, two days, until I have to confess the damage at VW. Or should I rather go to VW immediately? I don’t want to do it myself. It’s a small car dealership and I’ve always been good with them. It’s kind of embarrassing to me, to be honest. Thanks for reading and for your tips! Robert

1. My (registered) car should be insured with another insurance company, and for this purpose I applied to a Ves Mkler and concluded a formal brokerage contract so that the broker could take the necessary steps. To re-register the vehicle I also received the necessary documents and the insurance certificate from the new insurance company (B) and the Fz was registered without any problems. After about 2 months came from the previous insurance uncertainty. g (A) a letter, in which it was informed in spirit that the old contract was still in existence, and the old insurance company holds the “older rights”. It turns out that the broker did not terminate the old contract, and I received the notice from the broker that “there would be no problem” if the Fz were to be cancelled later this year. Otherwise, I will be asked for notification.” Another 2 weeks later I received a letter from the responsible LRA, according to which the Fz forcibly closed the contract. However, it remains the question who should now bear the costs for the procedure. After all, the broker failed to terminate the old contract. However, the latter claims that the mistake lies with insurance B, which did not handle the return transfer correctly. Curiously, another 2 Where later from insurance A came a new contract application, although before It was claimed that the old contract was valid.

Hello. I posted a few weeks ago in the MB SLK Forum that my wife drove into a well-known wash road and after she left the car, the car was pushed through the plant, drove off independently at the other end and hit a metal post. Later 3 witnesses indicate that the selector lever was on D. Before she got off, came from the lance… still the hint to put the selector lever on N and noticed: “Oh, they already put it on N. From this Aussa She received mail from her lawyer (covered by RV ADAC, RAC recommended by the ADAC) with the following wording: “You don’t have to prove that you didn’t make a mistake, but what mistakes the washing line operator made” and “even if he was on N before, the change in the lever position would not fall into the responsibility of the washing line operator, but into that of the holder”. However, the engine must not be switched off either. Whoever enters a wash road with these conditions accepts the contract conditions of the wash road operator. In retrospect, the contract can no longer be challenged. I can only recommend every automatic driver to avoid washing roads where the vehicle is to be left with a running engine.

Hello dear reader, after an accident with sheet metal damage I have some problems with the insurance of the other accident participant. To the accident: I wanted to turn left into a parking space and then put out backwards again. Because oncoming traffic was, I stopped to let it through. When I entered the gap suddenly put the left-hand vehicle back. I was already almost competent in the gap, however, the vehicle hit me still just behind the Kotf From the police I got a report of irregularities and the possibility to comment on the outcome. My accident participants were immediately predicted that this would be expensive for them because they were driving backwards without looking. After I wrote my statement about the accident, this report was withdrawn against me! I therefore think that I could explain completely my innocence in this accident. The insurance, however, pays me only half of the from a car factory My question now is: May an insurance company argue so, although according to the police, I am not guilty. I have already filed an appeal with the insurance company and would like to call a lawyer in case of need. I can only misjudge how my chances of doing so are and would like to see further costs. want to avoid the damage, because the damage amounts to about 1200 euros and my car is not yet so old, that I wanted to repair the damage only urgently. I would look forward to one or two answers. Thank you in advance and many greetings Andreas

Hi, I’m not sure if I’m in the right forum here… Well, my wife slightly damaged a punto when parked out. At the rear thruster is a little color off, near the wheel running. Since I didn’t want to burden the insurance I said so. Now she had a quote given. 700 euros for the paint of the entire rear thruster. Does she have the right to let the whole thing lak? In addition, the thing was already scratched. On the cost vote The name of the workshop…

Hello together. The following facts: I was terminated by the alliance my contract by a vehicle, reason for this is the “unfavorable damage” this year. I have/had at the alliance entire 8 x force insurance of 7 x car and 1x krad and a legal protection, private KV, liability and also household advice. Yes now as already said a vehicle was terminated and I have now serious problems to get a new insurance contract. Reason for this is also that many Nachververs more secure then want to have the entire amount for 1 year in advance and that is already not easy if you have still some other vehicles. First of all I have to say because of this termination directly canceled all other 7 vehicles incl. the other insurance and changed with everything concerning car to the ADAC, which was also not an issue because I had carefully asked all data at the Allianz (SF KLassen) so that there is also in the afterwards no bad awakening. Promt also came the Confirmation for 7 vehicles….but there is one missing…just the one who was terminated at the alliance and is therefore now without insurance cover. Now my plan to the thing: Normally it is not possible to get a vehicle out of an existing insurance contract in the current year by a short cancellation (5min) and a direct registration again. However, in my case it is the case that I no longer have an insurance contract. Now I just want to go to the Registration office go and cancel my vehicle and register again in the same gear with a new double card, because therefore I do not have to indicate that I was terminated by the previous insurer, because I have a normal new registration here. I am not concerned here about saving a premium or about the protection of the SF class of the vehicle I want to have without problems an insurance for all vehicles, which I do not have to pay with once for a GANTY year……what d Do you? Do I have such a chance? MFG Kriss

Hello! By chance I found out that since April 2007 Huk-Coburg has had new rates for car insurance or changed the rates. I was then personally at the office. There they told me “yes, that’s true… for some it will be more expensive, for others it will be cheaper.”. In my case I save almost 20 EUR in the quarter. To the question why the current contracts are not automatically adjusted, if it becomes cheaper, they answered me “that’s not possible… we can’t nic het millions of customers write letters…”!?!!?… but the data are all recorded in the computer, and the invoices are created anyway automatishc.. So it would be no problem!… But the insurance companies are just about maximum profit. So, who is at the Huk-Coburg should inquire. I could easily rewrite my contract and pay now less. mfg aedificans

Good evening, that’s how you imagine a Monday morning. You get up and go to his new (old) used Audi tt 8n. Well, that’s how it could have been. Unfortunately, I had to find out that the bonnet, kotflügel and the door on the driver’s side are really dolle scratched. You think yourself there, you drive old boxes like a Golf 2 for years and buy an old tt and what passi after a long consideration two months ago. Some associal people have to scratch the box. Great, I have been with the police and reported against unknown (there is usually nothing to get out anyway…but I did it anyway) … so today I was annoying with a cheap painter. They want to have for the repair 1100,00 Euro. Now I have to say that my car is fully covered. But the SB is 1000 Euro. Now we come to my question I can do the following thing. I drive to A. I have to go to A. I have to go to A. udi or Vw there the repair will possibly cost 2000 Euro. The estimate I will then get 1000 Euro (2000-1000sb) the calculation amount and then drive to cheap insurance and let the damage repair there…?? sounds funny but does it work? As far as I know, my car will only be upgraded in the full cascade relatively dolle. From the full cascade I would then leave…so that I would not have to pay any more contribution… What Thank you very much! MY FRESSE HAVE I NEVER HALS!!! Posted with my Desire HTC

Hello dear experts! I am currently mediocrely annoyed. Briefly to the circumstances: About 2 months ago someone rolled me at the traffic lights on my then almost new car. Question of guilt clear. The KVA of my workshop is at just over 1,000 euros gross. I sent the insurance all documents, also asked, e.g., to pay the costs for KVA or send it back to be charged. Now for a long time nothing came and then suddenly a letter “We have just over 7 By the way, I had asked them to confirm the takeover and bill it directly with the workshop. This is even with full 19% VAT at least 150 euros less than the KVA, the costs for the KVA itself are not included. So, if I stayed at a total of 250 euros, I would have it done so. Reason: This would be the manufacturer’s recommended retail price including any unnamed surcharges. Higher costs (as in the KVA) could not be paid. What’s that supposed to be? Is that right (do not estimate?). The insurance can hardly determine on the basis of any basic lists how expensive the repair will be (here e.g. the tariff wages for mechanics are the highest in all D.) who hope that I leave the damage open by the small batches of money and they save the whole rat tail with VAT and car rental…? What would your advice be? Writing with demand of full net sum (incl. costs for KVA) m It set deadline and then charge the VAT? Give everything to the lawyer? Thank you!