Category: KFZ-Versicherung Forum

Hello together, first of all I would like to apologize, because I am sure that I am not the first with this question. That’s why I also used the search function, but found no posts that answer my questions conclusively. To the case: Now I don’t know exactly how it goes on. I’m afraid that under the bumper is significantly more broken than one sees from the outside. That that’s how it is would be nothing unusual. How does it look like in the case of an expert report with the costs? I probably have to interpret them and then get them back from the insurance company – is that right? As I said, excuse me for opening a new topic, because I’m sure I’m not the first with the request. But I’m really still through the wind when I think about the accident, although fortunately almost nothing happened.

Hello, I quit my insurer on time for my two vehicles. Yesterday came this letter, picture below, that they can not accept the termination for one of the vehicles, because according to the principle the basic tariff has become cheaper. Is that so right? I have assumed so far that I can always terminate the contract at the end of the year, no matter what happens with the premium. Toni

Moin, the son has become 18 and should now be allowed to use the vehicles of the family. Of course, you specify this with the insurance and the one wants to have for the additional risk about 110 euros more for liability and comprehensively. But the other wants instead of 250 euros now over 900 euros. There is of course now the very strong desire to change the insurance immediately. And that had also written on the back: 7. You have the following possibility the contract to kündi … Termination in case of changed use If the type and use of your vehicle changes and the contribution increases by more than 10%, Siue can terminate the contract within one month after receipt of our notice without notice. Unfortunately, the insurance company only accepted our cancellation on 1.1.2014. I think that is wrong. In case of the price for the additional payment, I would have to pay my son out of this car again. And if he then drives, what is then? h on your comments. Thank you Jens

Hello together, short history: my car was parked and someone damaged the outside mirror, called the police themselves (or maybe they were randomly at the place) and recorded the accident incl. sketch. Accident causer also got me a message to the windshield, “Sorry caught your outside mirror” with name and cell phone number. I only saw the whole thing after a few days because I do not drive every day and told the opponent that I drive to the ATU zw eck’s estimate. Was still with the police because I was supposed to report there, but then was probably a bureaucratic mistake by the police officer because I was informed on the spot that a personal audition was not necessary. I then sent the estimate to the opponent, smooth telephone and mail contact with the person including the message that the whole thing is now available with the opposing insurance. Now I received a message of the opposing insurance with the Please fill out a questionnaire for car damage. Since I have no experience with this I wonder if this is a correct procedure of insurance and if I could legally do something wrong if I do it now. I wanted to copy the report of the police and send it back together with the empty questionnaire and short mail text. We are talking here about total costs according to ATU of approx. 150€ Where in my first accident years ago someone was driving on it in the back of me without questionnaire or similar about 650€ transferred from the then opposing insurance for the rear bumper. Current opposing insurance is the ADAC, possibly that helps further. Thank you very much for coming EDIT answers

Today I have calculated 2 cars the insurances. My Astra, which I have had since 2011 just as well and then as if I had bought it now used. HP ~200€ HP+ TK ~300€ HP + VK ~ 400€ difference. With nem Insignia 2022 the difference is not so big but also there. HP 56€ HP + TK 95€ HP + VK 135€ The most convenient thing to do is to buy a new car.

I have been fully kasko-insurance my vehicle at HUK Coburg Versicherung for years. Of course, the punctual debiting of the contributions always worked without any problems. A few weeks ago I had a stone impact damage on the windshield. A repair was not possible, so that the disc had to be replaced. The replacement was made by my contract workshop, where I had bought my car again and since then all the maintenance and repairs had been carried out. From the repair costs I paid the excess of 150 EUR and transferred the remaining amount to the car dealership, which then turned to the HUK Coburg to pay this remaining amount. So far a normal process, so that I assumed that the case had been settled. A few weeks later I received a letter from the HUK Coburg, in which I was informed that the repair costs incurred in my workshop were the average costs for the repair. In my research, this company is not a neutral expert office, but a company which, on behalf of the HUK Coburg, makes these reductions arbitrarily on the basis of so-called computer databases and for this service from the HUK Coburg commissions on the basis of the In the event of a damage, I can have my vehicle repaired in a workshop of my choice. After further research, this procedure is a “mash” of some insurance companies (e.g. the HUK Coburg) to arbitrarily reduce the costs of the damage regulation, as many policyholders do so – from There are many judgments in which this behaviour of the insurance companies was judged as legally inadmissible and unfounded and was therefore accepted by the corresponding claims of the policyholders. I myself have asked the HUK Coburg to transfer the reduced amount in the amount of approx. 200 EUR, which I had to transfer to my workshop in addition to the excess contribution. Should this not be within the I will, of course, immediately order my lawyer to sue the HUK Coburg. My workshop, by the way, has informed me that the shortening of the invoice is not justified and that it has not yet experienced such a procedure in any other insurance company. Of course, I will terminate the car insurance at HUK Coburg, because I do not want to see the difficulties that this insurance company will encounter in the event of an accident. I hope that I have made it sufficiently clear what difficulties current and future customers of this insurance company have to expect in the event of damage. Because the often found positive assessments of the HUK Coburg refer regularly only to the amount of insurance premiums, which are in fact often cheaper than with the competition. This is the case for a customer who only gets into trouble to enforce his rights and may even have to go to court.

Hello everybody, I’m a bit stunned, I witnessed a damage in February. The insurance company of the causer has now sent me an e-mail and asks me for a statement, or whether I can rule out that the damaged vehicle has rolled back or reset. My testimony is documented by the police. What do you think of this? Greetings Carsten

Hello, who has experience with the allianzdirect.de ? they have very favorable prices. Who can recommend? LG

https://www.chip.de/…/…hr-fuer-die-Kfz-Versicherung_185352243.html Maybe someone will recognize himself. copy + paste: A recent study shows that people with certain first names pay more than others for car insurance. Men with the first names Uwe, Bernd, Jürgen and Jörg pay considerably less for their car insurance than men with the first names Patrick, David, Tobias and Daniel. And that, although all the same vehicle types are driving – in relation to M There are no differences between arke, PS and year of construction. Women also have a similar picture. Names such as Petra, Karin, Gabriele and Martina are associated with lower insurance premiums, while Jessica, Sarah, Jennifer and Nicole have to pay significantly more. Particularly striking: A woman named Jessica pays on average twice as much as a man named Uwe, although they both drive the same cars.

Hello, has anyone had any experience with the above-mentioned KfZ insurance ? thx