Category: KFZ-Versicherung Forum

Hello! I have the following problem. I would like to register a car as a second car for my daughter (23 years old). My wife was with the LVM today, where our first car is also insured. The good woman at the LVM said: We had only two other insurances with the LVM apart from the car insurance (liability and home advice) and we would have to take out at least one insurance (e.g. legal protection) to insure the second car in the SF class 2, i.e. 85%. Otherwise we would have to Is that all right? What do you think about it? I would be very interested in your opinion about it.

Hello , have there a big problem , Vieicht can help me here someone . Known and my littleness had in July This year an accident on grader track of the trailer is him dispersing and my friend has not got the vehicle under control anymore Therefore a total damage of the train vehicle what is admitted to me As a holder , I had borrowed the trailer ( trailer ) from my acquaintances which is now also total damage as well as my Mercedes Benz , plus Coming The Driving The trailer is then sluggish on the road and the vehicle on the trailer has pushed an accommodating car the roof of Golf way, so that the vehicle has to the trailer Mehere Defeckte, left side light completely deflected, as the box has totally pressed in. Now said the ‘driver because of the costs we will find a solution that I participate in the costs as well as in the towing costs u nd of their total damage . Now on 15.10.2011 the driver of My vehicle said that the accident from own fault that I am not Berreit is a cent to pay . Can I make the driver of My vehicle therefore I am now holder of The accident vehicle , the driver claim damage , ?? Have the driver yesterday written a letter that I will make against Him a damage examination asserting with the further assertion Mr will take through from A lawyer . Therefore now Autz otrailer Total damage , Mercedes Benz Bj 1989 Total damage , Ableppkosten Fees . And the damage of the vehicle What on the trailer Was this damage that I keep to myself The right to the damage claim to make valid against the driver Do I consistently succeed on damage claim against my driver ????

Hello, my current vehicle is admitted to me (so I’m the holder), but my father is the policyholder (just with a different holder).The SF classes are as follows: Liability SF 13Complete SF 20 Now I have my driver’s license since 01.10.1997 (I’m 36 years old). So I have 18 years of driving license and can therefore come to SF 18 maximum? Is this correct? Do I have to pay attention to anything else? Thank you and greeting C 37 RS

Hello, I was hit by someone in the back a week ago. The thing is clear so far, evaluator was already looking at it but since then I haven’t heard anything more. Since the car is a little older and not very high, I worry that I see money at all. The car had a slight damage at the front left ( since it was stamped as total damage, replacement value was only 600 at that time ) I partly repaired this damage, Koti, Zier I left a scratch on the bumper, would have been too expensive. To what extent recent previous repairs affect the replacement value? The whole engine is made new, piston, cylinder head, planned with Adam engines etc., valves (low flow and polished), valve shaft seals, cam, camshaftsimmering, ZKD, head screws, valve cover, valve cover seal, valve cover nuts, tilt lever bridge installed by another engine , new spark plugs, spark plug cable, air filter fan manifold, new cat, new ESD, Bilstein B12 suspension, KW 30mm springs, new transverse handlebars, dome bearings, all engine bearings, torque support from Vibratech, new tires front gearbox with sports suspension provided, disassembled and resealed with Rep. Kit, new non-compete clutch kit with everything. I did not want to see many invoices, but I sent a few via email but not all and much is done by myself.

Hello, have an acquaintance who is in the middle of 20 and has had the license Kl. B for several months. Due to a new job she now needs her own car to get there flexibly. Among the most important data to be able to judge the case better: -single/inhabiting, money of course scarce. – Gets an old car, which is less popular with beginners (lower type class). Of course only liability. – From the parent-child regulation does not benefit, since it No contact with their parents (which eliminates the possibility of family tariffs). – SF-class transfer of relatives rather not possible, since nobody is available or all still want to drive themselves (and that is also not useful with the short time as it has the appearance, since no class can be skipped). As far as this can be done first. Question on the second car regulation. Does the regulation only work with parents or close relatives or does it also work with any other x -any person who is ready to do so? So a good friend, who is already classified in a clearly better class, can make the agreement with the second car regulation? If this is possible, it makes sense from a financial point of view and what are the disadvantages or what are the possible problems for the person to whom the second car is registered (i.e. the person who is already classified in a significantly better level). What monthly contribution (in case of monthly payment) under the above conditions can be expected roughly? Many thanks

Hello together, short information in advance: theft of screen, head unit + operating unit from my BMW 1 on 02.02. I immediately reported it to the insurance company. On the same day, the expert was also the workshop where the car is repaired. Pure repair costs incl. operating unit: approx. 900€ HUK then sent me an expert report for screen + head unit: 3.060€ I have already received the 3.060€. I asked extra: The money is only for the new procurement The repair is completely billed by the dealer with the HUK. Car has been in the workshop since Monday. Yesterday the information is received that 2 cables have to be moved through the interior to the Koferraum. So assume that the 900€ does not get there. Question 1) Pays the HUK because now 900€ according to KVA and the rest I have to pay, or the HUK pays the amount that is on the invoice at the end (say 1.400€) Question 2) I have the screen and headunit from e in a certified dealer used to buy for 1.920€. So much less paid than I got. Is the problem if I submit the invoice? Question 3) At that time on the phone I asked for MwST refund. There I was told that I only get the MwST refund for the repair invoice, but not for the display/headunit invoice. Is that right? Greeting

Hello together, the following case: My brother tried to overtake in a somewhat confusing place. Didn’t quite work out, when shearing in the outdated vehicle cut and on the front left fender a damage occurred. Just like on his wheelbox back right. Since it was very bad to stop directly at the accident site, very curvy track and also still at night, he stopped only at the next entrance to the village (max 3-5 KM). Also the other person involved in the accident un d the police were also directly engaged there. Everything was immediately taken up and and and… There was a conviction with 12 months driving ban and a fine. In the sentence he was also sentenced for driver flight. The damages (with my brother and the other) were regulated before the conviction to driver flight by the insurance. Now his insurance comes to him after he was first convicted, and wants 250€ and the car dealership what his damage re Is that right that the insurance will regulate and approve everything first and after the conviction again “dead”? Wouldn’t you have had to wait for a possible verdict at least in case of the damage from my brother? And please one more thing: I really don’t need a moral apostle here at this point! He got his punishment and he knows that too. Thanks already for helpful answers. .

After an accident without fault, the insurance company can take almost 3 weeks with the damage regulation. My car is not traffic safe, so I can not drive it. I can not repair the car either, because I do not know if the insurance company wants to send its expert for the second report. I can not sell it, for the same reason. For me, this is an expropriation, because I can not have my property for almost 3 weeks. Who thinks I have because I want to pay myself the damage sum to buy a replacement car, I don’t get replaced for the estimated repair period of 3-4 days, or for the whole time (previously almost 3 weeks), usage loss or rental car. It’s an incredible, hard-to-bear situation, because I want to drive a car on holiday, but I can’t have it. And that’s even though I don’t blame myself for it. Even the cause of the accident, which I happened to have met while shopping, is appalled and ashamed that his insurance has made a fool of me. His car has been repaired for almost 14 days. Who in the world has earned more a loss of use or a rental car than I, who has not been able to use his car for almost 3 weeks??? How can there be such an expropriation in a state of law?

Our Avensis T27 2009 Exe was stolen. Keys were thrown into the mailbox of the workshop and the next morning the key with the car was gone. The car is fully cascade insured at the HUK24. Our behavior is grossly negligent. The insurance includes gross negligence, but not in case of theft. What do I have to reckon with? Does the insurance pay nothing? We cut the amount?

Dear Forum, yesterday it caught me on the highway from behind… In front of a construction site (the left of three lanes ended) I had to slow down on the middle lane due to the stagnant traffic and an abruptly braking vehicle in front of me to a standstill. At that moment a car opened up to me. The one standing in front of me of course did not notice anything about it and continued his journey. I was on my own; three people were sitting in the driving vehicle. It was clear to the police, but then the driver of the driven-up car claimed that I had stopped abruptly for no apparent reason and that she could not avoid the accident. Neither she nor her fellow drivers could have seen any reason for my braking. The police then was rather perplexed and did not want to determine who was the cause of the accident. Now I am standing there with a dented tail and I have to deal with this matter. Although I think that not every accident will require an RA, I will try one now… Can it be that the driver with a statement that I would have braked for no apparent reason is burdening me with a part or all of the guilt. I do not brake without reason… …especially on the highway! If I had not had the foot on the brake, I might have touched my front man; then at least he would not have been gone… Has i Any experience with what the courts make of such a situation?