Category: KFZ-Versicherung Forum

Hello, I did not find a suitable forum, hope this is also ok here. For the current occasion: From when is a defect actually a defect? And from when can one speak of an accident? A colleague has driven so violently over a curb that the wheel suspension (and various parts) were changed. He did not communicate this to the private buyer of his used car. However, the buyer has become aware of this. Now the question arises: was this a defect that the buyer would have Bzw. was that a lack at all, because it was eliminated. Could one speak here of an “accident”? So should the car not have been sold as accident-free? Thank you already

Hello, I’m just a little unsure, so I’m here to post the problem: I was driven in sideways. So from the evaluator and a few days later I get a copy of. Net 450€. + Impairment 500€ I have informed the insurance that I want to (fectively) settle and get a payment of 2995,- + a check in amount of the impairment one week later. Also a wipe by post where the (the one I commissioned) report is reduced. the same time called me with the request to make the payment according to the opinion that I have made. Answer: “We will not make any further payment.” Point out. Can they do that? Did all this also send by post to the with the deadline of 14 days… otherwise lawyer. And another question, can I sell the car?

Hello. I need help once. It’s about my current car which needs to be registered to my company. I am a holder (24years old) My mother policyholder. Now I would like to assign the percentages to the company the car drive also only I no one else! (my mother signs this naturally and it’s no problem) It’s the SF 14 full and partial cascade. But to you company there is only one year. Is it possible to transfer the now full SF years o that are only “counted” as long as the company exists? (so probably Sf1) Have searched the Internet but I find this only for private individuals and this is then calculated partially… Thank you

Yesterday in the city of Celle a car drove against a house wall. So far so good. However, the car drove because of a police persecution with 120 kmh in a residential area. The reason for the persecution was the fact that this car with different plates front and rear had noticed. No one knows more exactly, but what if this car was stolen and the thieves are destitute? Who comes for the considerable damage to the house and the car parked next to it by the house owners I do not ask for legal advice (doesn’t concern me personally), but rather for an assessment from an insurer’s perspective. Provided, for example, there is a liability insurance of the stolen vehicle owner. If the car was of course not insured at all, it is clear that the homeowners will probably remain at their expense.

Moin people, as the title suggests, happened to me on the weekend something rather funny. And indeed, “I” was hit by a driver (taken first). I didn’t have any injuries as far as (significant) but the bike (racing wheel) or my clothes got something off of course. Scratches on the gear shift, partially bent flippers, pedals in the bucket etc… Rain jacket ripped open, backpack, pants etc… The causer was completely cooperative and did his school d immediately admitted, all safe. My question is now whether someone has already experienced such an incident? In how far does the insurance pay for the impairment or damage of my bicycle`s or my clothing?Because the attachments were already a bit older, but “newly” because I have always dealt very carefully with the bike. Is there a chance that I will get the new price of the parts back? Do I require an expert report/cost estimate from the bicycle for the time being? Questions about questions Because the “besch**” in history is that I wanted to sell the bike on the weekend (without flax) and now stand in the conflict between “repair costs” and “value reduction from the buyer” … Thank you in advance for your efforts!! LG

Hello together and apologizes for my stupid question, but I’m kind of not quite sure and I’m afraid the worst. The following: Grandma drives on my road and “only” drives off my Beby (A5) the mirror (somehow the door must also be warped, because it whistles in the drive from all cracks), because I have still evaded on the green strip (at about 100 km/h). I directly turned around, afterwards. Police did not see the accident directly, but the woman directly h after 2 km she stops, of course, too. Alcohol test – more clearly over 1.5 on the box the good woman. Was also reported to the police by several other drivers before (road danger). So the good lady was clearly alcoholic.Now the question: Does her liability pay in this case? From whom do I get the money again? Who do I have to turn to now? Thank you for the help in advance. Greet Martin

Hello, on the company parking lot last time someone rammed my car. The accident was recorded by the security. A classic accident sheet and sketch was completed. When I was informed the accident opponent was already gone. However, she signed to be the causer. Today I was at the reviewer to estimate the damage. Total damage! The reviewer gave me a “declaration of resignation” which I should sign. He said that I did not have his performance per He would then get the cost of the expert’s report directly from the opposing insurance company. What is the cost of the expert’s report? He didn’t lose a word about it… Since I didn’t have the data from the creator, I didn’t sign anything for the time being and should bring the data by soon. Is the usual practice or is there a horse foot attached to it? The text is strange… You could think it with a lot around the corner also so interpret that I would have to pay the if the amount of damage is to be paid to the assessor, if he deducts his costs from it and gives me the rest… Say: I give him my car Can you please tell me if that is right? I am grateful for every advice

Moin! At the moment I have the following situation: We have a car, which is admitted to my wife as a holder, however, insured in my name. Now I want to get a vehicle with truck approval soon. VW Caddy, Seat Inca, Fiat Scudo or something like that in the direction. This vehicle must then also be insured as a truck or van. Incidentally, the vehicle is not used commercially, but exclusively private. Now to my question. And now it’s complicated. At least for me.. I found an insurance that insurances vans at a good price. Can I change the insurance now so easily, because the current ones do not insurance my vehicle or how does it work? I wanted to take the car with me to the new insurance and run as a second car. By the way, the car on my wife falls flat. Too expensive because SF-Class M I hope you can follow me.

Hello, after just a little bit more than a year I already got another one on it. The following situation: I drive on the road and want to turn left. Before I see that also one wants to turn left. So I stop because the curve is mostly parked and also just one from the other road wants to turn right into the road. Then she hits in front of me the return walk and sets back without looking. Crack… She then called her father because she did not give me a car. When he arrived he then gave me the insurance, the insurance number and his data. How do I now best proceed again? Tomorrow morning immediately to the expert and after expert reports had repaired? In hindsight also stupid that I did not call the police, not that he still remembered that I drove on it. Please briefly for tips. Thank you very much Thomas

Hi, I got one to the car, paint damage with Delle. Now I was in a workshop and had an estimate made and sent to the opposing insurance company, had then received a letter that the amount is accepted so, you would need now still photos and the original invoice. Now to the problem….I am back to the workshop and have presented this so, answer: We can not make pictures and also not send them, we also always have bad experience mi t Insurances were made. I was serviced there of course! Then I went to another workshop and with them all would fit so far but that their estimate is 200-300€ more expensive! My question is I can call at the insurance to which the situation signs and the more expensive estimate submit? Or do they now cross the border and I am the stupid one?