Category: KFZ-Versicherung Forum

Good morning, I would be interested to see how a third car or fourth car is classified.. At home it is like this: – Mum + Stepdad drive a Fiat Punto which is in the first contract (with my mum) down to 35%. – My mum has insured my Fiesta and indicated me as a driver, since my mum has registered for 17 years a second car (stop of the car from my dad) the percentage of the Fiesta is already down to 35% (very good for me!!) – What if my small car he brother (will be developed in October 18) and would like to have a car of his own? Can you also insure the car to 35% like the other two cars or will it be classified to 140% (beginner class)? I just want to avoid (again) admitting a car to myself, because I have only 4 damage-free years in October and then would enter with somewhere at 60%. (I had already insured a car on myself for 2 years) Can you get the car from me in the brother also register on my grandpa? He can no longer drive a car.. would then be quasi first car with 30%.. does this with the insurance? How is this actually with the contract of my stepdad? He insured about 15 years ago times a car on himself, but then sold and since then only run over my mum.. Can these 15 damage-free years be counted? … headwish lets greet. yo-chi

I probably want to buy a car on Wednesday. Now I don’t have any insurance on my name yet and wanted to order a cover card. But what if I have the cover card but don’t buy the car? Do I still have to pay the insurance or can I return the cover card unused? Would be very happy about a quick answer. Gruss // Joscha

Hello… 2 days ago I come to my love 530d there is the mirror gone and I have a deep bump in the a-pillar… 2 questions about this 1 can you also get the money paid out by his partial cash insurance ? the insurance man said I can forward the bill from the friendly dierect to him and the pay that then … would have the sum preferred cash and would take care of myself at ebay for a new mirror ……if you should only get 80% that is ok ….. 2 which mirror would you recommend ? because org. bmw mirror ? or n replica ……(are cheap at ebay to have) and only for those who are interested …a mirror at the friendly costs about 1000,- and the bump in the a-pillar about: 300,-

Hello, a buddy of mine recently had a liability damage, which was recognized by the causer. now came the report with total damage. FZG was urgently repaired on site. Repair costs from VAT: 1760€ Restitution value tax neutral: 1800 € Sales value incl. VAT: 200 € Replacement duration: 14 days What possibilities does he have? Can he select? Furthermore, the report says something about registration costs = 60€, Hifiumbaukosten = 100 €. Is there any compensation for the replacement period according to the vehicle class. Does he also receive financial compensation for the replacement or has it done because of the repair on site? Is it correct that he only gets the registration and re-registration costs, Hifiumbaukosten and usage failure if he delivers the car during the recovery. Wouldn’t it be nice if someone could show us the possibilities. Greeting. Dennis

Hi, I wanted to ask what I don’t understand yet and would be nice if one can explain it to me. Car is economic total damage insurance paid the remaining value. Car is still driving and can be operated. What can you get now from the insurance insurance if another one drives in? The next is if someone would be the expensive plant or the aluminum stolen vehicle as for example with comprehensive insurance insurance and accessories up to 200€. then you get d the time value of the audio system is replaced and only the residual value of the car. Many love thanks for your help

Hello, yesterday we found a serious buyer for our car, who urgently needs the car. Now we noticed yesterday evening that we can no longer find the car letter and therefore can not log off the car. We have to (if it does not show up after all) then next week apply for a new one. Is there still a way to sell the car now? I can now imagine 2 possibilities: 1.) We have the car registered and give the purchase the car with our license plates. Problem is, how secure do I get in case of an accident? Do I have to check with the insurance? 2.) We hold our license plates, pay the seller a red number for the transitional period and as soon as the letter is there, we report the car and send the new letter to the seller. Which variant would you recommend or is there even another possibility? I hope you can help me out of this misery.

Hello, something stupid happened to me today. We were standing at the traffic lights on a three-lane road. In front of me were 4 cars. The traffic lights switched from red to green. Everyone started, I too. I had about 40 km/h on the speedometer, when suddenly the car put a full brake in front of me. At the same moment my eyes were in the rearview mirror for a short time, so I stupidly lost about 1 second of braking distance. I also got full on the brake pedal, but it was too late. Police came, said that no damage is visible. Neither on my car, nor on the car from the front man. I could see neither paint scraper nor any other traces. Now of course the intruder is always to blame, because of not kept distance. But I read that there have already been judgments, where the front man got 100% or partial debt. Anyway, I find it strange to start at a traffic light and then suddenly a full braking without visible The police did not ask any further questions and drove away after taking the personal data without an accident report, evidence photo, etc.. Reason was, where no damage, since no accident.

Hi had the following problem: Had my car registered with the insurance company on December 18, 2013. On December 21, 2013 I had an accident, whereby a Polish had cut me intentionally and I drove into you. Then I got police, which I thought was still to blame. The Polish meant first she did not have any damage (car 16 years old with a lot of rust 5 scratches on the bumper, much at the thing at all). Then in January I got the first letter from the insurance company that got a damage g They said then immediately I should express myself within 7 days otherwise desire that a penalty of 250€ because of not reporting. I then filled out the report and sent it back. 3 weeks later then came a letter without listing. The wills of me have 3750€, I would not have reported the damage intentionally and thereby pay Die not the damage. It was also threatened immediately after the court order for payment. My lawyer said they might have liked to have me sol l throw away the letters immediately. On the phone the insurance does not want to express itself?! -My question: can they possibly put this in the Schufa ? -My tip: the insurance is the very last !!! Greeting Andy

Hello, I have reported a rockfall in my windshield and this one to the insurance company in March. However, I would like to repair/exchange the disk only with the next maintenance (about 9000km until then). Today I received a letter again and called on it. On the phone I mean the wife, I can not have the disk replaced in general, but must have it repaired if this is possible. I am obliged to do this as part of the damage reduction programme. I should also take a photo of the rockfall now, so that I can be held responsible for this in case of a deterioration of the disk. Now the real question: Is that true, that I have to have the disk repaired?

Hello you love, I have a brand new car since Friday and as fate wanted I have now since yesterday already the first scratch and more at it… the following happened: I parked yesterday at noon quite normally at a parking place, I looked still in my rear-view mirror and parked further. When I looked a second time in the rear-view mirror I had almost parked out and saw how my work colleague parked out quite quickly. I stopped and worked very fast. I was hoping that she could still see me. Unfortunately, I couldn’t make the progress fast enough to prevent the accident. Well…she had caught me nicely on the left side of the back. She didn’t want a police, because she’s still in the trial period and she’s already had two accidents…well, okay, I’m not an unhuman so we explained everything in the vocational school. It was agreed that I would go to the workshop first to see what it was all about and then the cost estimate and she wanted to see if she could stem it herself. So said, I was at the workshop and men’s car has a scratch, the bumper is moved and my return sensor strip is also affected. I told her that yesterday and got the estimate today… well and suddenly she doesn’t even know if it’s really her fault… I’m so mad! She wants to get an expert because there’s nothing on her car and she’s the workshop that my car is working on. We should have called the police, I am aware of that now too. But what can I do now? I know absolutely that I am not responsible for 100%! LG mogli2390