Category: KFZ-Versicherung Forum

Hiho forum members ! ! ! I’m new here and have questions, and go… So I’ve been lousy since January and since January a Fiesta GFJ, the car runs on my uncle who drives at about 50 % and he is at the car insurance Hamburg Mannheimer’ he himself has as first car a Toyota Starlet and my Fiesta as second car which I drive every day however not on my name’s speak my uncle is the policyholder because if it were on my name I would be with too much percent ngen and could not make me a car since I already 115 € a month insurance at Teilkasko pay with a fiesta GFJ 1.1 l 50 hp to 140 % as second car. So and now the year is up soon and the 140 % will think less about 100 % and I will buy my Fiesta sale to buy a 316i e36′ and with my uncle you have scratched the car and there are insurance problems because you let it wait without ending! My uncle now bursts after 5 years of collar since it is the the first case is and that makes such a stand up and only let the apprentices get there that he now says that he wants to change with both cars at the end of the year because Hamburg – Mannheimer is also too expensive for me’ which at DEVK would cost me at 140% only 96 € instead of 115 € in the month. So the real question, we want to change and know net to which insurance’ which is to be recommended and cheap’ my uncle had previously comprehensived and now both part of the caco insurance should be insured, my uncle would not Ch probably let both cars run on his name again! Is there actually a possibility for me to run the car only on my name without the mega high percent ? ? ? ? We have from insurances unfortunately net much plan’ but we have already considered DEVK & Huk Coburg, we are already right there ? Sorry for the bomber text’ thought only so much more information about so better… while for an answer very very thankable

Hello together. Who can tell me what tips and tricks you can use to save on convertibles in insurance?? I heard from my buddy that you can give any information and thus save money in insurance. Who can help????

Hello, I have registered several cars with my insurance company so far, but I still ask myself a question: How is the damage-free class defined for a certain holder? The following story: My father leads for years with 30%! Then I got my own car and, along with my father’s, registered it to my mother and insured it! Then I drove with the 30% and my father with 85%, with the 85% actually my percent and the 30% my Vate I’ve been on my father’s car for two years now, but my brother has bought a car and registered it for my mother! Now it looks like my car is still running at 30%, my own percent still has to be 70! My brother’s car is now running at 70%, and he must have entered at 85%, which is now on my father’s bill! Why is this going to be so complicated? But now to the actual question: The insurance representative asked me at the beginning, when I registered the car, which SF I have! I had to answer: “I don’t know, I’ve never driven a car before!” (that was about 2 years ago) But if I had said: “I’ve been driving accident-free for 10 years”, then he would have noticed that! So how is the SF defined?? Who or what sets my percentages?? Is this noted somewhere or can I go to the insurance company? g go and just say something?? Would I be happy if someone here would bring us dark light! the_hero

the following story, which shows how the HUK wants to take care of my insurance case as quickly as possible, at my expense. To the point of fact, I drove about 50m behind a vehicle, as it turned right following the road. As I also drove around the corner, I saw the vehicle standing right at the edge of the road. It was obvious that the driver wanted to park there, since he was already stopping. Therefore, I drove left past the vehicle. When I was at the height of the driver, he gave gas at once and pulled his vehicle to the left. There, however, I found myself at that time. Also, my full braking and my dodging did not help. The rear bumper of the opposing vehicle remained hanging on my right fender as it moved further and further to the left. Despite noise, the driver continued to drive and only through my hooves did he stop 50m further. The police, which I had informed, first instructed the driver before asking him about the accident. If he still had I would be guilty if he confessed, then he would be guilty. Everyone can think what his statement was, although he had said something else before witnesses before. The police didn’t care. Photos taken from the accident site and 4 weeks later the surprise came. Penalty notice, because of alleged overtaking in unclear traffic situation. Unfortunately there were no witnesses for the accident itself. Nevertheless, I filed an appeal to the fine. The court came to the same The case against me was stopped. My belief in justice was restored. But I didn’t expect my insurance. The HUK now thinks that after the inspection of the police files and the splinter field I have overtaken in the event of unclear traffic situation. How can an insurance company simply ignore the decision of a court? The argument of the clerk, the splinters lay me hr on the left side of the road and therefore I would have overtaken – ?????? – The HUK’s clerk has no interest at all in campaigning for the policyholder. Much prefers to divide the damage, with the downgrading they then get the money back again. The damage amounts to approx. EUR 800.- on both sides. What can I do against the decision of my insurance? Thanks for every hint

Hello, I have a question. And my car is registered to my mother so far. So I have 30% and can save a lot. However, I should let the car run on me now, because my little sister (driver’s license newer) also wants to register a car. I have had the driver’s license for 8 years now. Would I get up in the SF class and not start at 140%? If so with which? Another idea: I take over the percentages of my mother (f) All this makes my insurance) and my mother then registers my sister’s car. Since she has had the driver’s license for over 20 years she would have to start with less percent. Is that right? If so, how many percent would she start?

Hi, I had an accident last Friday (in a back purely danger) Since I have all-round the car is now in the workshop and I was told that it is a damage of 11.500€. I bought the car in mid-January for 12.00€. Now the mechanic said that during the short time of the registration usually the purchase price is still taken. Is that right? If the replacement value is lower my car will not be repaired or and it is only new:-(

Moin The question probably came up here many times and therefore I already ask for an apology that I do not take the search. But damn… what do you give for keywords? Now to the question. I recently drove someone into the car. Estimate approx. 1200,- € and got the money from the opposing verse.. I had the damage corrected yesterday and this at a cheaper price, since 2 parts could be repaired by polishing and not repainted So the bill is lower. Now my workshop man said that I can get the VAT paid from the verse if I send the bill there. But I have a little “fear” that the verse opens a barrel because of the cheaper bill. Does that make it? Or does it pay the VAT, no matter what difference between the estimate and the actual bill? Thank you! Best regards

hello together, I got last fr. my new a4, everything great, also directly tore down the first 600km and was positively surprised that the sline suspension of my opinion is fantastic and not too hard! a really unsafe driving behaviour with strong braking maneuvers from high speeds and I really have to confirm! that’s really bad! but now to the actual question: after only one day the pitch had hit me. I was on the a3 of ffm rich In the middle, my front man climbed into the iron, made a stroller and drove over a plastic object in order not to touch it with the ripe ones. this so-called moved the plastic object an upswing, saw the part fly towards me, from evasive could be no talk at the speeds, at the traffic and the unexpected object. cool grill broken, scratcher on bumper and bonnet. who is to blame? who pays? I have the identification mark, his it was not what had come against me. was a well-kept 3er bmw cabrio newer design. is fully kasko insured, runs over the asl leasing! Greetings, rash82

Hello guys, had an accident with my Astra F (bj. 97, 1,6 i) the day before yesterday. Luckily I had no fault and the situation has already been settled. The problem is now that my car got quite something on the front right (e.g. fender, bumper, hood, headlights, turn signals, fog lights). See picture!!! I was still yesterday at my workshop of trust and they thought that this was probably an economic total damage and I probably only had the time value of the Cars get minus the residual value. In clear terms, this means for me that I get only little money, for which I never get such a great and well-kept car. Now I will go to the expert on Monday and fear that I suffer a real loss, although I am not responsible for the accident. Maybe someone can tell me how such an expert calculates the value of my car (purchase price or selling price?). The car is well cared for, just TÜ V new, climate, 117000 Km, electric windows, mirrors, metallic, aluminum wheels, etc.)! Maybe someone also has experiences with this and can tell me if the reperature really exceeds the value of the car. MFG David

Hello, in the above-mentioned matter I was ordered to have caused parking damage (with allegedly 2 witnesses). My insurance company had regulated the damage of the allegedly injured person without consulting me (310,-€). To have committed an accident against the allegation, I sued and the proceedings were terminated for minority. In the account of my corruption I have now determined that my damage freedom class from SF7 to SF3 has been reduced I have been asked about my insurance and I have been informed that I can only avoid the downgrading in which I should pay the benefits paid (310,-€) to my insurance. My questions: Why does my insurance not simply recover the wrongly paid amount from the allegedly injured person ? Why do I have to pay the 310,-€ to my insurance to avoid a downgrading ? Wiso should I pay for something that did not happen ? Is the Rüc kgradation justified even though I have not caused any damage ? For me this smells very strongly after ripping off my insurance demands almost from me that I should pay for the resulting damages although they had no legal basis for paying the amount to the opponent ! Maybe someone here knows about traffic,- and insurance right or can help me with this matter … Thank you already for your answers …