Category: KFZ-Versicherung Forum

Hello, I have the possibility to get a discount protection for (approx.) 40 € a year with my insurance. Now in the last or the penultimate AMS on the subject of discount protection, you should not do that because you would be regraded if you changed the insurance after all. Now for me to understand: Where should the disadvantage lie there? the following example: I have SF 25 and build an accident. I am then regraded (e.g. in SF 15). If I change the insurance now , I will be classified there (also as an example) in SF 15. Now I have SF 25 and discount protection. I build an accident and stay with my insurance in SF 25. If I change the insurance now, I will be classified there in SF 15. Where is the disadvantage now? As long as I do not intend to change, I can only see advantages (except for the contribution) and if I change, do I have no disadvantages? Did I miss anything? Greetings Jan

Hi, a question, I had it last with a buddy about why he doesn’t have a fire extinguisher in the car. So he meant that if you delete your car yourself during a fire, you don’t get the damage done, so no insurance cover! I mean no question if I’m stuck after the accident and the car starts to burn inside I try to delete of course. It’s only about now if I have a cable fire or whatever, stop and delete this. I get the damage. replaces or must I have my car torched?? Greetings

As the thread title already says, it’s about a traffic accident with a cyclist that my girlfriend had the days. It’s not about the debt determination or the like. That’s all settled… The cyclist was drunk on the road, according to his own statements “something dreamy” and then the red light was rated as funny, not to be noticed something and first across the road…. Well, the police was there, he got/ got an ad for dangerous procedure in the car. n road traffic etc… Now we also come to my question. The guy probably already relatively well known with the friends and helpers, actually wanted to leave directly after the accident with the reason that is anyway to fetch with him etc. … Since now also no insurance with Him is available now I now know that a further persecution is actually meaning-free with a Hartz IV receiver. Quite as easy however I do not want to let Him get away from it. In what form do I have to give Him our Tell me your request?! Think in writing. Anything else to consider? In which deadlines do I have to admonish him? From when can I make a reminder? Does someone know what that costs? After all, it is about 1400,- Euro damage to a 9 month old Seat Ibiza… Does someone still have another way to get money!? And now not comprehensive… That just doesn’t count on my girlfriend… Thank you very much! Greeting Benny

Hi, the following situation, I got a car about a month ago, but did not get the vehicle letter when I bought it, because it was at the bank and was only given out by the bank for money of the seller (credit). He offered me, as long as I did not have the letter yet to drive with his identification mark. Now I got the letter about 3 weeks ago but so far I only drove with his registration number. Now apparently the traffic monitoring called him, and he m on Monday to the police statement, however, there was no accident, I was only flashed. He means the insurance and the Landratsamt will now file a criminal complaint against me. I now have to report to me in front of the car on Monday now, what comes now to me now, fine I could still handle, but depredation or imprisonment would be too crazily. Mfg

Hi, everybody! Unfortunately, I couldn’t find an answer to my question yet. I’ve had an accident in my days (accident -> on a small old Corsa), currently driving at 80%. I can report the damage in Dec. of course now. But also in the new year in Jan. How will my SFR behave in the two cases? If I report it now, will I be upgraded to a high level? Or do they just drop the upgrade and let me go on to 80%? If I report next year, d I have already been downgraded, then comes the damage and then I would have to be regraded to 80% or? I don’t know how to think about it … 🙂

6 weeks ago I had an accident in which my car was badly damaged. (holes in the door & side, driver door/windows no longer close, side skirts&B column damaged) =>cars no longer traffic-proof, “emergency repair” also not possible, damage at your own expense is not possible for me at a 5-digit damage height(&unclarified question if vll. total damage). After a total of 8 (!) clerks of both insurance companies give me no really concrete information k I have contacted a lawyer who said the same thing. Now the report I commissioned was sent 4 weeks ago to the insurance company, but besides one please for patience to check the case nothing happened. Therefore, my question is whether someone has experience with how long it can take e until I can be told how much responsibility is borne by who ?

Hi I have calculated once as every year, where it would be cheaper for me KfZ-Versicherungsmodell from 1.1.10 on and am quite surprised. Everywhere I would have to pay more than now, my insurance Allsecur would keep the premium about the same. That completely surprises me, because otherwise I could always save by changing with the same or sometimes even better services at least 60 euros per year. Is this also so with you this time? Did it count with various comparators. Also on insurance websites it didn’t look any better. Example: Beetle (0603/471) Built 99, 75000 km, annual mileage 9000 km, 2005 first registered on me, road parker in DO, SF 4 from 2010, TK 150 SB, Marder damages are to be covered, FS since 1991 available, no kids, is driven only by me (m, BJ 1970), no damage so far. Currently I pay 75 Euro in the quarter. Is it really not cheaper? E.g. so 50-60 Euro in the quarter? I would be so happy if I had the tradition (ii) the rate of increase in the number of working days per week.

Hello, my daughter has someone rushed into the passenger side. Police on the spot, the accident opponent has received a warning. Opponential insurance (HUK, there you can see what super service is) sends a letter on the same day, confirms the entry obligation. And of course suggest their all-round service, i.e. they handle everything for us. Naturally very nice and extremely customer-oriented, we would not have best contacts to body builders and paintrs… How do we do it now best ? We believe: 1 Kovo collect from the contract workshop, possibly costs for this 2 these submit with the opposing insurance 3 deduct the amount of the VAT take 4 usage failure get pauschel 5 car at the brother-in-law have repaired is that correct? Of course not, undeclared work is never correct. But neighborhood help is already, or . My daughter is Azubi, and there is crownish ebb in the cash register.

Hello dear community, I have a problem…. Last week I wanted to attach my iphone to the front window. while doing so, the windshield is torn. I naturally called my HUK insurance,,,,, because unfortunately owns a “KASKO SELECT” insurance,,, that’s why they recommended me a partner workshop from where I also had to go. I went there too…. wanted to not have my disc repaired, because they were too unfriendly and of course the SB did not take over HUK therefore wants to pay me 660EUR – 150EUR (SB) and 85% of it. Was for me also at the beginning a fair price because I found a workshop which makes it cheaper. only those who thought that the disk which is listed in the cost estimate would be wrong. In the cost estimate of the insurance a normal windshield is listed. Quotation: ZITAT VOM COSTENVORA NSCHLAG: …… – Windshield get Parts-nr. 51317070294 Price: 347 Eur Only the right disc for my car would be the : Quote: – For vehicles with head-up display and automatic air conditioning S610A=Yes S534A=Yes 01 windshield green rain sensor parts-nr. 51317070296 Price 381€ (although on the internet it costs the best 523,60 €) the ca.30 Euro does not want to give to the insurance, because the opinion is that the windshield is recommended by bmw, and that I have received wrong information te. Called at the workshop that created the cost preview. but they said that they can’t do anything with the part number I called them. because that always varies thanks data: BMW 530i Bj 2004 rain sensor and HEAD UP DISPLAY

Hello, the following happened to me last week : When I was driving on the main road, a car came from the left and I had to make full braking. At the same time the car came so close that it hit emotionally (left door at the back) The driver of the other car inserted the reverse gear after the collision and drove a few meters back. When I got out of my vehicle (totally shocked!) one could no longer be sure whether she drove me into the side. I have to say that it was almost 11 p.m. and rained. It was not possible to detect any damage on the spot. So registration marks and insurance name, etc. were written down. On the next morning I discover on my car 2 small scratches at the door, where the vehicle of the accident opponent should have hit me. However, the accident opponent denies having touched my vehicle! However, she admits to your faults in the matter (previous) Now I have My question: These scratches were definitely not there a week ago, because I polished the car. But now I don’t know exactly whether they came from her vehicle or if they were created a day before. Can I be punished if it should come out that this damage to the vehicle (e.g. from the height) should not fit ? PS: if the woman had left immediately and thus not driven back a few meters, one could immediately report this damage to her insurance company. find out if she has caused this damage and so I am at the moment perplexed What would you do with 2 smaller (but down to the metal deep) scratches in the described situation ? Gruss Andre