Category: KFZ-Versicherung Forum

Hello you, I’m a little overtaxed. I had someone drive into the passenger side yesterday – she wanted to park out and didn’t see if anyone was coming. I should get a quote now to see if we have to regulate this privately or switch on the insurance. The workshop today said she couldn’t issue me a correct estimate without an expert, because the damage looks like an economic total damage at first glance. I don’t know how far the damage is worse now or looks worse, because it’s already broken there. I don’t have a plan to do what I’m supposed to do. I don’t know how far the damage is worse now or looks worse, because it’s already broken there. Is that important? I don’t have a plan to do what I’m supposed to do. I need to know how much more, because he can’t estimate it himself, but I mean to have heard that my Corsa C is still worth about 1,200 and the damage is about 1,800. Car for 1.5 years, until I have finished my studies and can afford another one. A friendly car master thinks I should let myself privately give 400 euros and he brushes over it. (He has seen the damage in a photo) The workshop said I should let the expert come. But as soon as we turn it on, it will automatically become an insurance case. What if a total damage is detected? Do I get the value of my car and have to buy a new one? do I have the value AND my car back? Can I still take off with insurance and workshop despite the total damage, that the workshop and only a bit of beauty repair and save the insurance as well? I’m afraid that after the report I’m standing with 1,200 euros in the hand and have no car anymore. But I need the next 1.5 years one and can pay NIX on it. What do I do now? Turn on opposing insurance or privately regulate it? And am I here about Right at all?

Hello dear people, I have some technical insurance questions. At the moment I am quite deprecated, because I had so much bad luck with the vehicle. Drive now for several decades, but the last 5 years have cost me all my good discounts. So I just start to tell and ask: I had bought a car and first registered it with the insurance (a), where our second car is insured. Maybe this is important So, for cost reasons, I switched to another insurance (b). In 2010 I had been classified with SF 22. Then I had an accident (unhappyly run-by ice cream on someone who suddenly slowed down) and with the invoice for 2011 I was classified in SF 10. Then I switched to insurance (c) for cost reasons. I promptly had another accident (PKW just slipped away on ice ice cream on the slope. Had already gone out and had to go to the Haj Well, with the bill for 2012 I was classified in SF 4. Now it’s like my work has become more and more stressful and the money for the family has to come in. I don’t get much sleep and everything is really only a rush for little pay. Well, at least this year I had a blackout (perhaps a second sleep) and caused an accident again. That would probably make me come to SF 1/2. Me In accident vehicle, already older, I don’t want to repair anymore, but sell it to a buyer, because it seems to me to bring only misfortune. We would like to buy another cheap first vehicle. So, second car is still with insurance a) and with SF 26. First car (accident car) is still with insurance c) with SF6 but would sink to SF 1/2. My wife has had no own car insurance for over 20 years. Now my questions: 1. Can I reclassify the accident drive without having to pay the damage itself, that is really too high this time. Can I unfortunately not afford as a low earner. 2. How do I behave now, what do I have to do if I log off the accident car and sell and buy a new cheap used car. How do I report the where to? 3. I am afraid that this will have an impact on the second car insurance insurance a). That would be an even bigger financial disaster. I hope that I have described everything fairly clearly and that someone can help me here, even that I don’t see everything so gloomy anymore. If you’re as old as I am, you’ve been courted, now life is getting a little easier and quieter. But nothing there. Oh, well, both vehicles run on my name. Now I’ve googled again and read somewhere:…No advantages if another insurer has the Z wide car insurance in case of an accident between first and second car. No matter which insurance the vehicles are insured with, it is always treated as damage to the own vehicle, if both cars have the same owner. What does that mean? Should the other insurance, where the second car is, now also make another SF classification? Because elsewhere I read again, that both contracts are independent of each other. I am completely confused. Could I not do the following: 1. I transfer the SF class from the first vehicle to my wife. Then the percentages for the driving train are no longer there. Then I register the car and can cancel because of the accident, the cancellation and the sale. 2. Then I ask my second car insurance, how this would classify the vehicle, if I now want to insure the new used ones with those in my name. In the question about the pre-insurance I have to say that there is no SF anymore, because I have the The second car would then probably become the first car and the new used car to the second car. So someone told me the day before yesterday. Can this be done like this? I am very skeptical and careful. Actually, I am an honest person, but slowly it is going to the financial minimum of existence. I really have to see that we can still fulfil our financial obligations and our four-member family must still be able to live. Children are also the most important our (but a great hold in life). In advance, thank you very much for your help. Greetings lenaundlara

Hello everybody, I was standing in the REWE parking lot yesterday and I waited for a parking lot, when suddenly someone is driving out next to me, not seeing my standing vehicle, and driving me nicely into the side wall driver side. The door also easily got a little off. He gave the blame directly and gave me his contact and insurance data. Police did not want to come to the accident, d is no personal damage. Now my beloved 1er, which I drive just a year damaged =( How should I proceed now, what is to be done? How much could the damage be? Do I need a lawyer, expert, etc? Or just go to BMW and let them handle everything? Car is EZ 02/2008, checkbook maintained with currently 106,000 km on the clock. Thanks for your help. Best regards cuba

A hello in the round, had a parking accident. Have already described here : How to proceed with proposal insurance division costs? (blanked in the conversation) To the state of things. I went from my innocence. Envoyed an SV of the opponent.. Also.. Also confirmed to me that I stood during the collision. But that would be only his opinion, one should have made accident points at the accident place etc. I read on the net something of a quota priority. Have not yet got a Total damage. According to the workshop about 3000€. But realistically assume a liability ratio 50/50. Have a comprehensive with 300€ SB. vehicle 10 years old, loss of value ? There were no other costs (rental car, towing vehicle, etc.) So would only be the SB, the upgrade and the loss of value My question brings me the quota privilege advantages ? Does this only happen via a lawyer ? Do I have to point out the insurances that I want to settle according to QV ? Before all, it is too late I read that I have to use my Kasko first, then the HPf of the following verse. So can I give my vehicle to the Mazda workshop now, without judgment? Someone advised me to make a cession declaration with the workshop. They get the OK of the insurance companies and repair it only then. From whom do I get the damage sum ? ( If QV does not go and I do the SB myself In the case of an insurance company, it is not possible for the insurance company to provide the insurance company with an insurance company with an insurance company, but also to provide the insurance company with an insurance company with the insurance company’s own insurance company.

Hello! Had an accident about 3 weeks ago – I parked normally in a parking lot and the cause of the accident drove me in obliquely in the back. Was not even on site – I happened to come out about half an hour later and he even waited, was very nice and insightful. Then changed everything necessary. In my contract workshop (Toyota) I had a cost estimate created. In this case the damage is estimated at 1,399, including VAT. I have not yet had the damage repaired – suppose that I would have done it, which must be the result of the opposing insurance, I would have had to pay almost half alone now. Is the procedure of the insurance so correct? Can I challenge this? We had not brought the police to it at the time, since they did not have any damage to the sheet metal. What possibilities do I have now ? =/

Tach, this morning in Krefeld there was a hailstorm with golf ball-sized hail grains, accordingly my and all the other cars here from the front to the back look full with bumps, whether roof,kotflügel, engine hood, doors, the holm that passes over the doors !!, A column,c column, under the rear windows the side part … really bump everywhere. My side mirror has also blown up. With the neighbor cars in part even the disks were broken, so you can imagine wa Now I wanted to ask what it looks like now, have later still a date at ford (is nn 2005er Focus) to let the cost estimate, the car is full casco so this god is thanks to no topic and papers from the insurance are already on the way.. but what will be replaced? The damage anyway but also the loss of value? increase the percentages? Treasures times the damage easily exceeds the 500€ limit, you can collect the money and the damage at the bump How far can we get rid of spezi bumps in the a-soul or in the top of the door? I’m pretty depressed, because the car is really trashed by the car… yesterday he was still spotless

2 questions: New car 2-3 months old, upper middle class, 4,500km. Car drains during the passage in an underpass, stands 1m high in the water. Engine has water impact. Car is insured. Insurance wants to pay drying, but not the engine damage. Reason: Production error. New car (in case of damage entry) 1 day old, 220km, luxury class with genuine leather, fully comprehensive, car was examined by the insurance because of the high purchase price and valuable accessories and special graded. Car drains due to failure of the pumping system in the underground garage, stands 3m UNDER water, mix of sea water and rainwater and that over 3 days because nobody notices it (owners and other tenants in this parking hall in holidays, the caretaker noticed). Insurance only wants to pay “repair” but no new car. The car stands completely disassembled at the dealer, it forms rust and the seats can no longer be saved according to dealer, the whole car moderates and stinks. The manufacturer does not want to give a guarantee on rusting after drying because it is not sure that all water is out and no further damage has been caused. Can the insurance companies do that? If so, why?

Hello everybody, it’s about my Corsa C. I put it in my workshop (rebuilt barn) two weeks ago overnight, it was still completely and the afternoon the next day I see a jump in the windshield, from the bottom right to the middle (clear is getting bigger and bigger now). So now what? Have partial cassock with 150.- excess. There are slices in there or? I only ask because it is absolutely inexplicable to me where the jump comes from, you can see nothing (so you can see nothing). any impact or something like that) except for the jump, and it can’t have fallen on it either, I’ve searched everything about the car. And if I can’t give a reason for the jump now, does the insurance pay?

Hello, I separated from my husband who has now also moved out. He also took the car with him is the holder of the car and I am the policyholder since I was the driver it was a car because he has no driver’s license. So and now I don’t get out of the insurance because he puts himself across an insurance policy over his name because he wants to sell it but he doesn’t know yet when. So now the problem I have bought my own car and insured and the insurance said that in four weeks if nothing else happens that the vehicle is deregistered or he registers an insurance with me as second car with comes in. What can I do I have the car after all and drive with it no more. Please help!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Hello, I try to describe it in terms of content and briefly. Location: One-way street – left-hand side Parking cars (i.e. parking spaces) At the end of the road (crossing) I want to park because there is a parking space free! I drive a little ahead (driving a limosine) and insert a reverse path (still braked) & blink to the left as well. Suddenly a woman drives me in the back! Because she thought I wanted to turn left at the traffic light! (*lol*) (see sketch) I have 2 witnesses, she has 2 witnesses. came and says “unclear situation”. I described the situation exactly how it happened!! The officials took photos. (I too) I clearly emphasized that she suddenly drove in and I didn’t drive backwards (since she claimed it) 2. Is it a parking lot that you have to keep free! What do you mean it looks like for me (to the experts)? Lawyer is already on. He also doesn’t understand why the officials have marked this as “unclear situation” . I have still painted a sketch to describe better. Thank you !