Category: KFZ-Versicherung Forum

I’d like to have a problem. Here’s what I’ve done backwards with an AHK to touch another car. Number plate depleted, grilled a strut pressed and minimal paint off the bumper. Everything no problem and I’ll pay too. I’m also aware that the painting costs a bit and I’m also willing to pay a complete painting. Problem: Have a quote now. There’s the bumper also on it. And it has nothing. Besides the missing paint. yes I can judge. I can run the whole thing over the insurance course (and buy back) and try to reject the unfounded claims. I also had the damage reported precautionaryly. However, the required amount is not really high – a total of 700 € incl. VAT. (only around the bumper me too high) and I think the insurance will go the way of least resistance and pay. What do you do?

Hello everyone, I came across this forum via Google and have the hope that I will find help here. The following situation: I had a self-indebted (no intentional or gross negligence) car accident with my Audi A4. Now the question of insurance arises. An expert of the insurance was already there and looked at the car. He called me today and told me the following: Repair costs approx. 3.700 € Repurchase value: approx. 3.400 € => wirtsch A residual value of the vehicle is not (yet) known to me, since everything was only done by telephone. Now I get probably only the difference amount replacement value minus residual value. Right so far? So with a fictitious residual value of 2,000 € I get “only” 1.400 €. My problem: I want to drive my dear car absolutely further, because the damages are also only purely optical. I have searched the Internet and read that the insurance at 6-months This means that after 6 months at the latest I would have to be transferred another 2,000 €. Is this true or did I confuse several things??? As an insurance layman it is quite difficult to keep track of the situation. So simply asked: If I want to continue driving my car unrepaired (because it is not necessary for road safety) (at least 6 months), I go like before to get the greatest possible amount of insurance? Many thanks for the answers.

Servus, since I am now the lucky owner of a new used car (BMW), I have of course changed the insurance. I want to take over the insurance SFK of the old (Mondeo) because I want to sell the car. Now on Friday I approved the BMW with the new insurer, the Mondeo should remain approved until the sale for test drive, according to my new insurer up to 3 weeks no problem. Since the TÜV is due for the Mondeo, I am on Saturday then to the KÜS The windscreen is defective, several small stone blows. The examiner does not give me a badge, should first let the disc be fixed. Now my question: Can I still calculate the disk repair on the old insurance (which is not yet terminated or dissolved) or do I have to bite into the sour apple and pay myself? Side question (interest me only): Can I then cancel an insurance after repair? (doesn’t come into question for me there I want to sell the car) Thank you very much

Hello, I had a non-inflicted accident. The expert had estimated the remaining value at 6000 €, but I got rid of the car for 6400 €. Now the opposing insurance wants to see the vehicle, I told them that I sold the vehicle, but since the vehicle letter is still with the bank, the disintegration of the opinion that the purchase contract is not valid, but I have a contract in writing with the buyer, where the letter is submitted My question: can the insurance simply say that the contract of sale has not come to an end and do they have the right to examine the goods, although an expert has already done so? Thank you very much already.

Hello together, I wanted to ask if you can also make a “fictitious billing” with a contract with workshop binding. Or do the damage always have to be repaired? Thank you for your answers.

Hello together, I have delivered my A3 and now need a towing vehicle for my pony. Since I use the car only as a second car I have thought of an old off-road vehicle, gasoline. But these are usually very expensive in the insurance… Does someone experience and can tell me which is quite cheap? I do not have many requirements. Max. 650€ AHK & Klima + drag my horse reliably (2T) . The car serves exclusively as a 2nd car and is only used from time to time to pull and transport before I find out a lot of SUVs, where the insurance is much too high anyway. Thank you very much. LG Laura

The radio was stolen. The door handle was removed and the locking cylinder tried to break out. The door itself was pressed under the handle including paint placers. Furthermore, the type designation glued from the rear was scraped and stolen from the factory, resulting in a scratch in the paint. Likewise, a part of the side skirt was torn off and stolen. In the case of the damage report, the service mitarb said: I believe that this is only VK damage (500SB), because it is considered vandalism damage. I mean that these traces (delle/paintplacer in door, defective side skirts and scratches under type designation) are in direct connection with the parts stolen. Then it would have to pay the TK, with which I have 0€ SB. The next days a reviewer will probably look at the car. Can one help me further what I should pay attention to with the reviewer/insurance or on what note and whether this is TK or VK damage? Insurance is AXA mobile Thank you very much

Hello, a case from the family: In August 2013 a new car was insured by telephone with a company (multiple test winner), which however proved to be very unreliable, e.g.: – The insurance confirmation (liability obligation) was not sent on time to the registration authority, so that the authority called the policyholder and exhorted. Only numerous telephone calls moved the insurance to send the confirmation to the authority in the short term. – The telephone call The insurance policy and the calculation of the contribution for this purpose were not sent until October, despite repeated inquiries. The question arises as to how the processing should take place when a damage occurs. Therefore, the policyholder wants to terminate the insurance on November 30. However, the insurance company refuses, on the grounds that the insurance company is not obliged to pay the costs. I know that nobody knows the contract here, but can that be true? Are there such clauses and are they legally permissible? Thank you very much, Marie-Luise

Today something stupid happened to my sister. We are busy in the same company where the parking lots are next to each other. During parking my sister has now damaged my car. Now I am afraid that her insurance does not pay because we are registered with the same family name and even at the same address. I was actually only the driver because my car is registered to my girlfriend. However, I am not dangerous at the time of the accident. But I have heard now that the insurance can cause problems because the damage has happened with the sister. She has reported the damage in any case already with her insurance. Tomorrow I will then drive to Audi and have the damage examined. Hope for your help in this case. Thank you

Hello dear pros, I ask here on behalf of a colleague. Her car was recently damaged without fault by a parking ramp back right. Back left (same component: bumper) there was already an unrepaired pre-damage. The opposing insurance rejects any regulation with reference to the existing pre-damage. However, taken mobile phone pictures from the current accident clearly show that the other car drove in her back right. Is there any Chan ce to have this damage regulated? Thank you and greeting Martin