Category: KFZ-Versicherung Forum

Hello dear people, and I am going to Turkey this year. The car is registered to me, but the KfZ insurance runs on my father. He is also included in the insurance documents. I am of course deposited with the insurance as a driver. My question is I need something written by my father in case anything happens?

Good evening, I caused an accident due to my own fault. My vehicle suffered an economic total damage, which is why I am trying to regulate the damage to my vehicle with the full insurance. The vehicle was then examined as usual by an expert. As a result, the insurance demanded account details for the payment of the damage, which I had given by phone. 2 hours after the phone call, I get an email that “to the w now the question arises to me what exactly is to be examined there. What do you need the purchase contract for? And could the insurance deny the settlement due to a missing purchase contract? Mfg

Just to the background: My brother drives my little one while I am on winter vacation. Was in March, so a while ago. He drives from his underground garage into a 10km/h zone and is shaved by a vehicle that drives to the 50km/h at the front. It comes to the agreement of the mutual partial debt. So everyone pays their damage. I assumed that once, let’s say it that way. My damage amounted to so 2,500 Eur, so aprons, headlights etc… I then have to pay this once in cash. But now I ask the insurance company at the end of the year to look at what happened and what it costs me. And look, the insurance company has reported their damage to me and demands of my liability that it jumps in. Of course they did this, because it is probably so common. But now I have asked what I have to do with the liability of my opponent in the calculation. I don’t want to be upgraded in civil liability if only the other one has something of it. Things are going on now, like usage failure, expenses (telephone etc.) and the excess. Since the year is now approaching the end I have to hurry up a bit. Do you know what else you can specify and above all what can I calculate for my Z4 M (E85) for the usage failure in one week?

after an accident that I did not blame, I gave my vehicle (leasing vehicle) to my dealers and agreed with him that you should only carry out everything you want to do with my vehicle after the cost acceptance of the insurance. this was also not a problem because of the insurance in writing a 100% cost assumed commitment was available. now to my problem, the dealer commissioned a reviewer with the assessment of the damage (approx. 1,500 euro grosso) and led Dara cost for kfz-damage, rental cars and expenses were also replaced by the insurance so that the accident was actually done for me. now after almost 11 months! I get a warning from the expert because the insurance paid him the expert honorar not with the reason …..that with such a low damage height no opinion was necessary. what should I do now? I did not even see the opinion bz. it bauft 1. does the insurance have to pay the fee? 2. if no, do I have to pay it without having it commissioned? 3. is a 1 reminder after 11 months not something (to)late? thank you, jochen

Moin, so to the previous story: I have a car year 2005 which here a few months ago was quite dented by a hailstorm .. Insurance (winterthur) had sent me to the local Dekra to have a report made. Report is now at 3800 € incl. VAT. according to Dekra you can pull ALL dellen out again. So, now I was at Ford and first let the damage estimate, the responsible meant between 5000 € and 6000 € because you just got some dents nic I then called the insurance company and told them that Ford had estimated a damage between 5 and 6K € then the guy who checked the documents and sent me documents next week because I should drive again at the Dekra. This phone office is now over 3 weeks back without getting an answer .. so I called yesterday again and told them that I now to Ford möch This is why I have to add a dekra to the dekra. My question now what should I do?! The fucking dekra has already estimated the damage wrong the first time and will probably not do it better the second time. And that the dekra mann now also at ford auftauc I don’t want to talk to them in a certain way either ! Whether I leave repair is still open and depends on the paid amount , at least my voting workshop would be the local Ford dealer and not some backyard beulenbude . Was also with some people who know with it (master , small workshop ) who thought that the 3800 € are always too little . Should I now drive to Ford and just have a report made and send the insurance ? Because that the insurance now does everything in order to have to pay less and also consciously misinfo ́s gives I already from own experience …. the scares of almost nothing back

Hello, my contribution doesn’t actually have to do with insurance, but the topic fits in best: I bought a Seat Ibiza (new car, but old model, Euro4). The vehicle is now finally at the dealer’s office and the insurance is also completed. It is planned that I will register the car with the road traffic office on December 29th. Now I wonder if a tax advantage arises if I wait until the beginning of January with the registration. If so, how high is this one?

Hello to each other, I am a student and therefore do not have all too much money available. My vehicle is an Opel Corsa B Bj. 1995 44KW liability insured vehicle runs on my brother I am a passenger 22 1/2 At the moment I am with Generali at my local veteran and I have at least 500 Euro at any time sent me a few offers. But I do not know if a direct insurance and which insurance My AWD consultant had me calculate the following insurances and as ZURICH IDEAL (100 million*) 263.59ZURICH OPTIMAL (100 million*) 283.31ALLIANZ 24 (D) (100 million*) 285.31 (This tariff appears to be with a protection letter) and the following offers I obtained directly from insurance offices, i.e. from representativesAlliance: EUR 339,82 Motor liability insurance EUR 100 million coverage, whereby the service for personal injury is limited to EUR 8 million per injured person and the environmental damage coverage to EUR 5 million per case of damage and EUR 10 million per year Car protection letter Security and service around the clock in case of breakdown, accident and other emergencies throughout Europe when travelling with the insured vehicle Generali 347.30 (improved offer previous insurance): comfort protection 100 million EUR coverage, whereby the performance in case of personal injury on 8 rest I now do not know exactly what is still there as standart. Now the question, how important is a protection letter and which insurance is best in comparison here and to which would you advise me en!?!? I’ve never taken out a direct insurance company like Allianz24 and I don’t know anything about Zurich. Can only say one more thing, if there was something, my AWD supervisor would do everything for me, in the case of the first 3 insurance companies. Hope you understood everything and can help me hopefully.

Hy Folks, since I sometimes stand like the ox in front of the mountain the request to explain it to me: if I have an accident damage and the car is an economic total damage the replacement value is determined, as far as clear. Then one of the evaluators says what he has determined as the residual value – also so clearly. Now to the part where I have difficulties: The evaluator says now: replacement value 10t €, residual value 2t €. Rep. costs 12.000 € = economic total damage. If I have the wagon If you don’t want to sell the car to the one who doesn’t, then we can cut you the money you get by the 1000 difference. At the same time, however, I can still have the car repaired in case of an economic total damage and up to 130% of the replacement value go and the verse has to pay. There is the first crux point. The second is: if I have the car, the car will have to pay. I have to deduct the difference between the residual value and what the potential buyer has offered. Above all – as I understand it – if I do not go to a workshop. ???? What does it look like, by the way, if I have sold the car privately for more money than the residual value, then the verse must still pay the full difference between the residual and replacement value, or can it also deduct that more. Would be nice if there was someone there who wants to rebuild it. Thank you very much! Koyota

hello community! as already mentioned in the threadtitle, I ask myself why insurance policies about the classic nature of the insurance representative are still taken out today, if the conclusion about s.g. direct insurance goes to 90% cheaper and the handling even more uncomplicated of hands? so at least my experience. I was insured over a representative for years until I came to the conclusion that I paid up to 300€ too much. these are in ten years where I dor t insured was 3000€. so honest, the advice of my insurance representative was certainly not worth it to me. but I also made the offer with the direct insurance to draw immediately, but this was obviously not possible. the handling of the direct insurance went singing and soundless over the stage. insurance notice was faxed to the desired registration office, the vehicle I registered in 10 min and drove from the yard. advantage: no representative enters my e apartment, which I also have to wear coffee and cake to the a…., which makes me feel as important as one without other polizze is to always be fucked with the idea of this, because he wants to fatten his commission if then one would be able to bring something to get through, you get rid of it. on such a service I can really do without and fill me with the dv better. have meanwhile cancelled all polizzen of the vetreter, since much too expensive. also with the banking is no different for me. account management expenses of 150€ in the year are now also a thorn in the eye. for a long time I will also have to think about something. gruss chinerl

Hello, I urgently need your help! I bought a used vehicle in 2009. Assuming that it is cheaper to insure the car on my father, we then took out the insurance on him. By chance, I now noticed that the insurance runs on him, but this apparently assumes that he is also the owner and holder, which is probably also a prerequisite for the cheaper classification, as I have now experienced. Now I am looking for a Mögl If I re-register the account, then the insurance company will be informed by the registration office of the correct holder, and I would like to prevent that. Does any of you know what information will be exchanged between the insurers and the registration office, if I cancel the insurance company and then at the change of year I will be insured elsewhere? I am looking for a possibility that the old insurance company will not be able to change over to the insurance company. I don’t know how the dilemma came about at the time, but I hope to get out as unscathed as possible. Until the problem is solved, I won’t drive the car anymore, because I don’t know what would happen in case of damage. Thank you for your help KdK