Category: KFZ-Versicherung Forum

Hello everybody, I would need the wisdom of the forum with the following question: If a car is pushed on and damaged by it, who is responsible for the damage? Concrete case: A car was so unhappy on an ice sheet that it could not be moved by the driver without taking the risk of slipping to another vehicle if necessary. A friend therefore came up against the door (mad idea, I know, but this shouldn’t be Them here. And now the 1,000-euro question: Is the full-fledged of the vehicle or the private liability of the “drucker” responsible for the damage? In my opinion, the liability of the harmer, but the ways of the Lord are known to be unfathomable, especially when it comes to insurance. When it comes to reliable sources, thank you very much in advance!

Hello, last year in June, I caught my (now already scrapped) cassock at the bumper of a Ford Focus. The whole thing happened in the morning in my friend’s yard and it’s the neighbor’s car (my friend’s cousine). She had parked me pretty much, I had to go to a test and was in a hurry, but I was, as I said, caught by my unpainted at her painted shock bar. escheid said and my friend tried to fix the whole thing with polish. Also so far, except for a small scratch that didn’t go out with it. She didn’t take care of the damage at all, nor did she say anything else. Probably taken note of what happened to me and nothing else. I didn’t ask any more then. At some point it was clear that I would still take the environmental premium and buy a new car. That happened in August, shortly before leaving. In September I moved to Switzerland for a study. At the end of September/ beginning of October 2009 my friend on the phone told me that his cousin had approached him, now wanted to have the damage repaired and had a cost estimate made. That amounted to 700 euros. I found this very violent for such a scratch but I know there is also the possibility that hangers are damaged etc. No matter, the fact is that with the insurance I and my friend talked to her and tried to find a compromise. As a student, I don’t have the money to pay her that way and somehow I find it a naughty thing that she hasn’t heard from her for so long. She noticed that I was scrapping the old car. But if she hadn’t delayed everything out, my insurance would have paid quite normally. And besides, I don’t think the damage is really worth 700 euros. What’s the legal situation like now? Does she have no guilt at all, even though she doesn’t have any fault at all, even though she doesn’t have any fault at all? can she show me if I don’t pay 700 euros? Can one help me? Thank you very much!!!

Hello everyone, I have a problem and hope you can help me. I have registered a car on me since January 2010, for which we had my father’s SF19 overwritten. I have had my driver’s license since 2002 i.e. I have with it SF8. This was also told to me by the insurance representative and also assured. He said he would advise against letting my father’s percentages “fall out” but by that I then get 50% and 55% we have with it a After three weeks a letter from the headquarters came without “nothing” and there are suddenly 70% and 80% so SF3. We are with this letter of course immediately to the Lord and wanted to know what this should be. He then called the headquarters and they said: there was an insurance break since 2006 until the moment –> so they can give me only SF3. So we were both so stupid (must be said) did nothing. Now I was last Week Wednesday again to talk to him about it. He then called the headquarters and now it’s called –> my father just had to register the car for ONE day and then we could have done the overwriting on me and I would have got the 50% and the 55% without complications. Sorry for the language but I really miss the words: in the end, the percentages of my father are fucked if I should change the insurance policy. I am also at work… because even if I go to the competition with the first letter and say I have SF8 a request is made with the pre-insurance to confirm the mentioned SF i.e. then I am 100% on my SF3 although I have had my driver’s license for the last 8 years. I wrote a letter to the head office on Monday (because my insurance representative told me so) and told them all this and asked them again if they did not have the same t can make it retroactive because the representative didn’t know it until last Wednesday. So now I hope you can help me. Is there a way for me to put pressure on them or how I can make a change so that I can get to the percentages due because this is really a joke. Above all, I have my business liability and my mother has assured her car there too. I also wrote to them that I would regret it very much if I could do so. e Insurance should change because so in itself they are not bad. Does one of you know perhaps something I can do there? Many thanks for your help Many greetings Wladi

Moin, I have a little “problem” with my insurance. I reported a damage to the disk on 14.06 (stone impact) and my insurance company called three workshops, which I could choose one of. ( unfortunately I have had workshop binding). I had the selection between AT*, AT* and AT*. Since I have unfortunately had bad experiences with the company twice, I do not want and will not have the repair done there. I quit the “workshop binding” afterwards. and since 01.07.2010 I can choose the workshop freely. Unfortunately I still have to drive to AT* with the damage, because “the damage has been reported when there was still a repair shop binding” I have already explained my will to pay back the increased contribution (without repair shop binding), unfortunately I hit there on “dove” ears. Can anyone give me a tip on how I can handle this? Thanks greeting Andi PS: About 2 months ago my insurance company became still a big carg This workshop is no longer offered by my insurance company, as they are said to have committed “fraud”.

Hello people and I have a few questions. with today a truck drove into my corsa c and caught my right front page. the right light is scratched and pressed, the apron has scratcher, the bonnet is slightly warped and the cracking while steering has become louder than it was before. so now I have heard different opinion, the one I should say to the workshop, the other I should give to the kfz expert an opinion. what then now I have a few questions. ? of course I would like to benefit from the stupidity of driving something and hope to get a good sum out of it. the opinion is taken over by the counter-insurance, should no longer be a bailout case or? the fault is clear and has been admitted and also reported. moreover, how long will it take me to get money ??? hope someone has answer, thank you in advance

Hello Together, the following case: My father had an expert report with Dekra in a liability damage (BMW E46) as a victim. In this case about 1,500 euros (net) came out. The damage should not be fixed for the time being, but only net offset. However, the generali insurance wants to pay on the grounds “workshop comparison” where it calls surrounding car bodies only approx. 1.250 euros. When calling Gernerali I was “dimmed” there are enough legal judgments and your behavior In any case, we will now go to a lawyer. My questions in advance: Do you find the procedure of the insurance in general? We have no traffic law protection. Can it be that the case is not so clear and we remain on attorney’s fees. I am grateful for your comments. Greetings Toby

The following… something stupid happened to me today… I’m working at a pizza service, had my last tour and drove back (unfortunately a little faster) in a curve anyway, the back broke out, I turned back and finally drove against such a lantern (had it knocked over…) car was pretty much over… police I immediately informed, of course, the adac told me, my boss came then also… anyway I have to pay 35 euro penalty z OWI – agreement of the road TBNR (101000) so, the police still meant that the lamp (about 3000 – 4000 euros) is paid by the insurance… now comes the biggest problem, the car is apparently not admitted to the company, but on the boss, the car is not even paid off!! Besides, there is only a partial cascade?! In the shop hangs a large sign, for each self-administered damage there is a self-participation of a maximum of 500 euros… on that I can probably not cht bauen… kA what the car was worth, but what does it look like with me?! do I have to pay the whole car now? I don’t see anything anymore, am totally at the end and still stand slightly in shock, my ears still beep from the hot bang of the airbags, I jumped out of the car because I thought the car was burning (was quite a lot of smoke through the airbags)…. young, tell me your opinions, especially that paying with the car doesn’t go into my head, especially of what? I’m a student and I’m working on 400 Eur basis on the side.. so close to Christmas, but I can be glad that nothing happened to me, at least I don’t know, even if you’re just about to party, I’m telling you, it’s going faster than you think……… good night, I hope I can still sleep now…

Hello. Today someone drove me into my car, at the change of track he had had left me jagged. Result, little dent over the wheel box. Otherwise apparently nothing. Police was notified and opposite side admitted the mistake on site, now have such a wipe from the police. To my car, is BJ 96 and had bought this one a month ago for 800 euros. Since it is only a small dent is not worth a repair, would like the damage from the other V How do I best proceed now?

I’m a student, I don’t have unlimited money at my disposal. I’d like to have a car. (must be financed myself) I have the opportunity to get my grandma’s old car. -> Suzuki Swift, 15 years old, 100,000 km drive, automatic, 45 hp, got green badge (before logging off). I would have to get this one over the TüV. A workshop manager talked about about 500€ to get the TüV tire. Generally, never had great repairs to the car before I think, however, more relevant data for the main topic. I wonder, what would I have to plan a month to finance the car? I would get the car for free, just the upcoming repairs for the TüV. In addition, my grandmother would give me “their” insurance, which is 30-40%. I could only find approximate figures, if I could find out more about the car. are about 150€ insurance quarterly and 80€ taxes annually realistic with the specified data? I would like to pay attention to fuel costs and possible (future) repair costs. So the two main questions would be : 1. What do I have to create monthly aside for taxes and insurance? 2. The indicated car data, is it a good purchase, or should one for any reasons (future legal changes?) Do you prefer not to buy a car? Thanks in advance for answers and opinions

Hello, my car is insured with the HUK-Coburg. And my mother is the vehicle owner and policyholder, so she runs on your name and of course she specified that I, so a driver under 21 is driving with it. Is that directly tied to me as a person? That means what if one of my buddies (also under 21 and of course in possession of a driver’s license) drives (for example during the upcoming holiday) and what happens? Does the insurance grip even if he has driven and And then another question the car is given with 9000km/year. What if I exceed this? Or is there a regulation that says up to 25% about it is still ok or similar? Would I be happy about answers and sorry if these questions already existed. PS: Of course you always hope that nothing will happen, but you never know!