Category: KFZ-Versicherung Forum

Hello everyone! Today I met my new used Ford Focus MK2 (one week I have him now ) with falling apples on the country road! The whole thing happened this afternoon in our vicinity! Before me a truck (40t) drove with about 70km/h under apple trees on the edge of the road, whereby several apples made a departure by the wind! But could not set me on it either, since immediately on the first trees the apples flew…. of it landed on my bonnet,and one of it still popped over bonnet bands on my front window… Result are 3 bumps (about 2 euro coins size) on the bonnet + a mud stain on the disc! The safety distance to the truck was kept from my point of view and the speed was def. not excessive! Dodging was also not, because of counter traffic and went also quite fast! The truck was of course already over all mountains after I got back from the shock and I’m not sure if the driver would have taken some of it, what can he do for it! I wonder now if I can hold someone responsible for it, since I mean that these apples are a real danger for all road users! And the bumps don’t get away on their own!!!! Unfortunately, it’s to make sure that if it’s obvious that the fruit can fall, at least the trees can be shaken, harvested or cut back beforehand And as the road looks like, no sw**n cares about it! I also think about motorcyclists (drive myself and I don’t want to have been today), most of them would have shot it off! I just imagine, or are the apples this year particularly big/heavy?? Have I looked at some of these mutants, which can be used to kick a bullet!!! Can I get my damage on the car to the farmer, town, county or country, depending on who the How do I get out of who the trees belong to or who is liable for them??? Should I report the damage to the police at all?Bring that what?? If someone has ideas,experiences or tips, I would be very grateful!! mfg Nebiru666

Hello! My wife grew up completely with her grandparents. Therefore, she has lived in a home with her grandparents for more than 20 years, but of course no longer. (We live in the same village, but not in a home community) The grandfather is now very old and would like to know his car, which will become a vintage car in a few years, well accommodated. I have now explored all the insurance conditions of the insurance companies, where we motor vehicle Contracts have … HUK (car of the grandfather), LVM (car of my wife), DEVK (my everyday car), VGH (our convertible) … and all demand a first degree relationship, or the domestic community. Which of the insurances mentioned (HUK, LVM, DEVK, VGH) will be the most promising candidate to negotiate that my wife’s relationship with her grandparents will be evaluated as parent-child? (is everything with youth office-pflegschaftsbescheinigung, Aufenthalt-bestimmungs-recht, etc. b weisbar) What other insurance would that be worth? Thank you and greeting!

Hello, I move to another city next month. Then I wanted to call my parents as a second residence, where I often stop! Can I then register my car at the second residence, as I could then keep the number. Insurance would be cheaper than in the new city. Does anyone have any experience with it?

I’ve already used the search function, but I didn’t get much out of it, so I’m asking you again specifically for my case: I recently bought an Audi A3 8P year 11/2007. The car has 57000km and has a slight hail damage. Price was 700€, so a real bargain, because the value of the racket is about 10990€ and the hail damage was estimated at 250€ and I can also go to nem Beulendoc and can have it repaired for only 1000€. I think I’ll leave it that way for the time being, because that’s hardly noticeable. So, now I took up a loan for financing, i.e. I decided, of course, for a fully-fledged directline. I had briefly considered the exclusive tariff-fledged SPAR, which only exists with directline; means exactly: Total damage is paid as with full-fledged damages, but not minor damage. So is located between partial cascade and fully-fledged though price-wise as well as from the services and thought for cars from an age of about 5 years with still relatively high residual value. But I think that I rather let it be because a direct insurance like this one has to come somehow to money and they will then put everything on it as little as possible to pay and exclude everything possible, because I rather pay n couple of euros more and have everything in it. Since Directline is notorious, customers also like to quit, if too many accidents have happened, I have a Raba for safety reasons. ttretter built in, which means I have an allowance per year. Only I ask myself now, how much excess should I take with the comprehensive? 150€ SB : 840€ 300€ SB : 755€ 500€ SB : 720€ 1000€ SB: 650€ I had briefly thought about taking 1000, because I still have a bit of something on the side, but actually I didn’t, because it belongs to the loan, of which the 300 are more reasonable. I calculated that you have to drive about 7 years accident-free, so that the annual Erspa But as soon as you have an accident, the shit is steaming at a higher SB. Statistically speaking, the German is building an accident every 12 years, so on the other hand, it would have to go well, but at least chess sense again, because I certainly don’t guarantee the car for 7 years more comprehensively. So, what do you think? Thanks for your tips in advance!

moin, I have an urgent question: do I have to pay my lawyer for the opposing insurance, even in case of a minor damage at the kfz, but a present person’s damage (pain money)? I have read about damage at the kfz, the insurance only pays a lawyer above the bagatell border (about 700 euro). our car is still in the workshop. so far it is probably a bagatell damage (felgen/reifen). the track will only be measured tomorrow and there can be some crookedness…. background: my girlfriend had an unindebted accident with our car at the end of the week. the opponent of the accident and his insurance have confessed her fault. my girlfriend was unable to work the morning after the accident and the beginning of the week with 2 doctors. diagnosis: cervical spine distortion after hurling trauma and slight brain shake = 1 week. should/must I take a lawyer to make claims for pain money?

Hey guys, I was involved in an accident a month ago where someone else drove me to park on the back. In the incident my car was in the standstill I was inside and a witness confirmed everything and was questioned by the police. So I had a quote made where he estimated the damage at about 1.100€ Today I got a letter from his insurance with a cost fee of only 866€ and the actual transfer of only 433€ with fol We have to deduct the costs of transporting the vehicle. However, we will refund them if they actually occur during the repair of the vehicle. According to the evidence, there is a division of liability according to 317StVG of 50:50. The collision occurred in a parking lot. Here the mutual consideration applies. Therefore, we refund the damage to 50% I agree that even though my vehicle has driven exactly 0Km/h and has been confirmed by a witness ic h not get the full damage compensated?

Hello, this morning a truck with trailer took my car, which was parked on the parking strip. Actually the whole driver side is broken… The opponent is insured at the Kravag and that was already an experience call, because they absolutely wanted to send me their expert (CarExpert). Well, that I could ward off. But then I was told, that with another expert the approval of the report can not take place immediately and that this then takes up to 6 weeks. can, since the opponent has to answer first. On the advice of the expert I have already taken a lawyer, since I now have an appointment tomorrow. The following costs of the report are already available to me: replacement value approx. 10.800€ damage amount : approx. 4.826€ impairment: 600€ usage loss: 35€ per day Now I am thinking about whether I have the car repaired (Corsa D, 03/2010, 14tkm) or not. nothing more… That in the case of a repair the insurance replaces the cost plus replacement value plus usage loss is clear to me. But what does it look like, for example, if I sell the car unrepaired? What do I have to do then? Of course there is one or other expert here. Thank you very much S.

Hello, yesterday something unusual happened to me and indeed I left my A5 in FFM for the winter tire change. The branch in FFM was so friendly and decided to drive my A5 from the branch 1 in FFM to another after the work is done because the 2 branch close to my job, but since no factory city was open. As far as everything nice and good only happened then the incredible and indeed called me the branch d as my car would be ready to pick up. Unfortunately, what would have happened to my car!!! The company that brought the car from one Audi branch to another, has parked the car on the yard and drove to my door when disposing O_o . My dealer has apologized 100 times and the extreme company also takes over the damage of course etc. but I see Audi there nevertheless in the responsibility to compensate me though comes today a good opinion because of the depreciation but that is with an estimated damage (door is exchanged) 1500€ of which you can get about 10% reduction in value so ridiculous 150€. And I have all the trouble, Audi deserves it now still by the reperatur!!!! What should I get out of Audi still in the end effect I have taken my car and get a broken again that probably can not be, even if Audi did not happen directly they commissioned the company!!! Should I turn on a lawyer or bring that anyway??? What does I mean? r to it??? Have now an 8 month old accident car and get for it only 150€ compensation !!!! And from the car dealership nothing!!!

Hello, had an accident on 15.10.2008. I (Krad) drove on the Hauptstr, a car bog into this one, I braked sharply and my bike bloked, made me long. Police was there. Expert has prepared an expert report on 16.10.2008 –> Total damage. Expert report arrived at me on 30.10.2008 by post. I called the insurance since 2 times, the last time before 2 days. The clerk always said “We are still waiting for the file of the police”. Still without a lawyer, but I still have an accident. if I have a new Crad, I immediately have legal protection. How can I set a deadline for them or what can I do to make pressure? MFG Kriss

Hello together, about 2 weeks ago my girlfriend had an accident in a roundabout. Her driveway was disregarded, the passenger door had to be finally renewed. The opposing insurance agreed to pay the damage, because my girlfriend was not an accident causer. She then drove to a contract workshop, signed the assignment declaration there, got a small rental car and picked up her car again after 5 days. Already at Begutach When my friend took over her car, she noticed that the door was not correctly installed. At the top, the door stood off, apparently wrongly installed. She immediately reported to the workshop again. However, the final repair of the door could not be done immediately, as no rental car was left and no car was left. Today, my friend’s father (holder of the vehicle) got a copy of the expert’s invoice. Does he have anything to do with it? Usually it is the workshop’s business to settle with the insurance company. How to proceed now? The opposing insurance company informs that the damage to the vehicle has not yet been repaired correctly, so that they do not pay for the time being? Otherwise, it will take forever until the door is repaired? What about the invoice from Gutac hter to do? What about the final repair of the vehicle. Actually, if the repair is not to be done in a short time, due to the failure of the master to check the repair, would the workshop have to provide a rental car for free or? Finally, it would not have come to this situation if the master were to be checked the repair.