Category: KFZ-Versicherung Forum

Hello, I had my car today on the property of my girlfriend’s house, in front of the entrance door. Next to it is a forest piece and a branch fell directly on the roof of my car -> Delle!!!! It came so, because some branches of trees unfortunately stand over the forest plot. The owner was even reminded several times by my friend’s father to cut these trees, because they were also a danger for the house. Now they should also soon be felled by the Forster (unfortunately too late for The owner then said that he was insured against such cases. How should I proceed now to pay for the repair? (We know the name and address of the owner of the forest piece, but not the name of his insurance. I assume that he will not tell us. He never opens the door anyway etc.).

Hello guys, I have a question, if I ever have to drive a friend’s car because he drank, would I be insured with the vehicle if only he were insured? We are not all in agreement, I hope you can help, thank you.

Hello, at present I am dealing with the topic of discount savers. Many insurance companies today offer discount savers in which one can avoid that one is higher graded after a damage, but this discount saver refers only to the current insurance, i.e. you change the insurer automatically higher grade if in the insurance year a damage case had been with the previous insurer, so one is forced after a damage case at the present time But now comes a thing which some have already experienced, because because of 2 or three cases of damage, i.e. a damage in liability and two damage cases in the partial cascade, the insured person has been dismissed and he has to switch to another insurer, but he immediately ranks him higher because the discount saver has only been valid with the pre-insurer. My question knows if there are already court judgments on this subject,because for what did I pay the extra fee for a discount saver when I was forced to get higher at another company? MfG

Evening together, I bought a car and received a guarantee insurance from EinsAuto / GermanAssistance. After half a year the secondary air system is now defective and will cost around 1250€. I think this should not be a problem because the insurance exists. I only thought that, because the damage site shared with me that the secondary air system is not part of the engine but is an attachment part and therefore not covered by the “comprehensive vehicle warranty” w In general, you showed your finger with the tip to be repaired by telephone, since you certainly don’t expect anything, since only parts that are explicitly mentioned in the insurance contract are insured. (The answer to my question was funny, why not call the excluded parts: “No customer would like to read 1000 pages through ” ) So now I stand there with the costs. But this insurance was actually only an addition of the dealer z if the insurance is not responsible, then the warranty obligation would have to fall back on the dealer. Or do you automatically withdraw from all warranty claims if you get such an insurance booklet with it? Does ever have experience with it, because the dealer wants to convince me 100% of this because the warranty insurance is suspended. I hope you can help me. Thanks and Greetings GM

Hello, I’ve been driving my driver’s license in the form of “climbing”, de facto 17 years old. I’ve driven a few times with my father’s girlfriend’s Golf 6 but that’s all. My father won’t let me drive in his 107, i.a. because the insurance is expensive and he’s afraid of his car. That’s going to be 18, I’m not going to change in January. I don’t need a car in itself, because I’m going to have to take the school in 3 minutes by Fahrad erreic so it would only be interesting for me if I could collect with 17 driving experience and could drive at 18 e.g. times to festivals or to be able to visit friends and relatives without having to take the train. So pure play, but I like cars anyway. *g* The problem is, I don’t even know in the beginning what costs come to me. As a student I have my child’s allowance (184€) per month as well as my salary as newspaper expenses r (44€). The bottom line, however, is that in the month less all the planned costs are only about 160-180€. Not the force, but I would drive a little… My question is really only how high the purchase and maintenance costs (without gasoline, but with TÜV etc. included and distributed over one month) in the month look like. I don’t need a station wagon or PS monster! If who could help me there it would be great – maybe the Sunday afternoon idea will be something serious. Greetings

Hello together! I have a problem with Strassenverkehrsamt. Had had me an offer of an insurance about automobile Vers.. But did not accept this and was and am still with my old verse. What I did not know is that the verse, where I asked for me at the registration office probably signed off (display according to § 25 Ab.s1 FZV) and I was therefore considered uninsured, although I was still with my old verse.. After I was written, I have this by mail and Tel. explained and my present verse. wrote a confirmation to the street prison. I thought that this would be settled. But now came a warning, the office continues to demand the money. Do I have to pay? What should I do? Thanks for the help!!

Hello together, wanted to report about my new knowledge about my insurance – because I don’t want to speak for everyone – and their savings tricks. So far I had insured my previous vehicle with this insurance without workshop binding in case of damage (since 2008), half-yearly amount was approx. 410 EUR. Now I bought a new vehicle and wanted to insure this with the same conditions, but now had to realize that the workshop binding at the Poli If I cancel this, the tariff would rise accordingly – it seems to me so far and could have lived with the higher tariff. Now, however, I have recalculated my previous vehicle online for the sake of interest and see here, in order to get to my original amount of 410 EUR, one has to accept the workshop binding. Thus, one must probably live with new contracts and accept it, however, find it an unding that (m) an insurance over d I’m going to calculate other insurances, because a repair shop binding (=force) is very hard on me. I just wanted to describe this, so I always have an eye on the exact tariffs and insurance conditions.

Hello, I would have a question. If one has been hit by a car, and the debt has not yet been cleared 100%, then a settlement about the own VK makes sense? Facts: expert opinion has already been prepared, as well as lawyer turned on. When the damage is compensated, one cannot say to what extent (but one assumes from 100%). But the settlement will very probably last longer. Therefore the thought about the own VK insurance. Car is not ready to drive. the own VK is unfortunately connected to the workshop. What is it like with the accounting with the own VK then with the attorney’s costs and the expert costs. The own VK certainly does not take over it. Do these assessors and attorneys cost then with a self, or. can one get these costs then nevertheless later nevertheless from the opponent nevertheless? Undoing is no longer possible therefore still a further settlement over the lawyer would then still be possible? Since a workshop binding at the VK b Is it possible to claim that the actual repair costs, not the assessment estimate? If you can live with some damage that the independent assessor estimated, and this can not be repaired in the course, can you then apply these especially to the opponent after that? (example e.g. scraped off, etc.) Felge) And what about the compensation for use? Do the days including holidays count in which the report was drawn up (own order expert) also for compensation for use, or only the actual workshop stay (car is not ready to drive)? I hope I have not asked too many questions, and am very grateful for one or the other help. Except of course if it means: Ask your lawyer, but I would like to know in advance about what one is told. Well, we’ll make mistakes, too. Thank you in advance.

If you have an economic total damage and want to get into the “genus” of the usage loss for the replacement period, then you have to let or do not care about a car of the same class. Background: Old VW Passat, replacement value 1600, residual value 300, economic total damage, but fully ready to drive, 10-12 working days replacement period, but for us ideal for “forest stories” because AHK and also not a pity when scraps come in. Grandma has a Twingo that you no longer need, I would like to let it on me. Or do you have to deregister its economic total damage? Are at least 12 days times factor X (vehicle class), does also a bit of something.

Hello, I drive a 1971 VW Beetle 1302 with H-approval, is fully insured etc. Now I have bought a 70s Oldsmobile Toronado, which was not yet registered in D. H-approval is not really a topic with the car, he will get! But I have now read that one gets for cars >30 years still 07er numbers assigned. What advantages and disadvantages have a 07er number for me? Would the insurance be more expensive? Can I get beetles and Toro on a number And thus only pay once VS and tax? Does the car have to be converted to TÜV and light etc. for 07er number? Thank you