Category: KFZ-Versicherung Forum

Hello, I had an accident without fault, someone with his trailer coupling drove me when parked in my license plate. The causer, an employee of a building cleaning company, also immediately reported this incident and informed his responsible insurance. An expert of the Allianz insurance company has now checked the car on the open road and prepared an expert report. Damagetumme ca. 490€ My car workshop recommended me here, however, a counterreport first The second evaluator has now determined a counter-assessment of 675€. In addition, of course, there is an invoice amount of 250€ for the second evaluator plus 150€ for the car workshop, which had to remove the bumper at the car, so that the evaluator could check the damage. However, the Allianz insurance now refuses to pay the damages of my evaluator. rs to pay and also to pay the costs of the workshop and the expert. You then know that in case of minor damage in this damage size not to be borne expert costs of a free expert to be avoided. What to do now? Turn on lawyer? Contact your own insurance? Costs that the insurance does not want to pay, the building cleaning company to bill? Can perhaps someone help me here or give me tips on how to proceed here ? Many thanks for every useful tip. Greetings Markus

Hello Motor-Talk friends, I had had a traffic accident over half a year ago. The accident opponent had his liability insurance by chance with the same insurer as me. The older gentleman drove me into the rear bumper and that although I was standing for several seconds at a red light. So no classic drive-up accident. He apologized for his carelessness and admitted the violation before the police and was also easily taken by the Pole I authorized a lawyer to represent my interests in damage to property and pain money. All letters of the lawyer remained unanswered until today, so it is time for lawsuits, as the lawyer announced. However, he requires of me, alone for the filing of the lawsuit in respect of the pain money, a cost advance of almost 900€, as I have not been legally protected at this time. I have the gel determined as an accident causer. d not and will not have it in a year, since I am a low earner. Do I now have to give up my right because I have so to speak bad luck? I have the feeling that the lawyer wants it to come to court so that he earns more money. How do I come to my insinuation? He asserts the repair costs with the opposing insurance and not the much less restitution value, although the car is an economic total damage. I had been sick for 6 weeks and had injured my back, as well as my shoulder+the left knee and had a HWS distortion. The opposing insurance, which is also my liability insurer, as I mentioned above, continues to remove the insurance contributions from my account as if nothing had ever been. The Tüv has now expired and I am afraid that I will not be able to accept the insurance. can’t hand over the car to the new Tüv, as the damage has not been repaired yet.

Hello dear community, for a year now I have been in trouble with my former insurer (CosmosDirekt) for my car. Background is an accident with total damage caused by a colleague with my car. He did not have a valid driving license at the time of the accident. I have seen the driver’s license a few months before myself and my colleague also admitted that he has withheld this information from me. Nevertheless, the Cosmos claims that I had dealt with it grossly negligently. That’s not right, because I saw the driver’s license a few months before and I’m not obliged to ask him about the driver’s license every time I let him drive by car. According to CosmosDirekt, now I’m also liable, and should pay the debt over 5000,-. What are my chances of success? Is it worth consulting a lawyer? Greetings!

While Asian manufacturers guarantee 5 years and more, Europeans are satisfied with 2 years of factory warranty. How do you see it? As a marketing specialist, as a technician, as a supplier …. and, of course, as a consumer.

Hello! Last night I was surprised with a panic call from my mother that my motorcycle had caught fire. Totally burned (see photos). I really liked the bike…nunja like won so. Police and fire department were there. Unfortunately it also smorched the house. under its canopy it was standing. When I took photos today by light came also immediately the I think caretaker of the affected house. And complained that the motorcycle was standing there. DOrt stood it however no matter! n for years. And he never got excited. It’s probably private gymnasium. But direcks on the road on the footpath. Without a fence or something near the garbage cans and a transformer house. My sales representative asked immediately whether arson, or self-inflammation by anything else… he probably means not having to pay vandalism at arson (for the motorcycle). In the internet I read that pays my partial cascade as soon as real fire is in the game:http://panbase.signa l-iduna.de//admin/zip/SI-251010SI-001719.pdf page 16 Fire and explosion. Other articles also say that it is a misconception that partial cassock does not pay for arson. My question, do I have to worry that I am being prosecuted financially? Do I get the time value of my motorcycle? (~2500 euro) Can my liability complain that I have parked at the house? Was it intended to protect from thunderstorms. When I arrived, the police were busy with a suspect. a money, could I stay on cost if it turns out it was him and he can’t pay? Thanks for your attention and help

Hey community! The following concerns: I had an accident about a month ago, which I was not responsible for. My car has a replacement value of 8,300€. Now I have put on it myself during the car search and therefore look for a car up to 10,000€. But I do not understand the following.. What if I buy a car from the car dealership, whose VAT is not passable? My lawyer wrote the following: “… if you buy a cheaper car at the dealership However, if this is a (used) vehicle, that the trader himself has bought from a private person, this is called difference taxed. You will then receive only the VAT which is included in the purchase price. This only concerns the profit margin of the dealer and is usually estimated at 2.4%. The remaining difference to EUR 8300 will then no longer be received.” So what if I am looking for a Would you like to buy a car that costs €10,000, but whose VAT is not passable? Do I still get €8300 from the opposing insurance? I don’t know what difference tax means. I thank you for your help!

Hello together! Hope for my question there is a good answer! So: I have a 50 year old BMW R 25/2 ! The machine would have had to go to TÜV in August 2006, but since in June 2006 the alternator and the gearbox broke, I could not of course to the TÜV! I got over years no affordable original spare parts and at the beginning of July 2010 decided to shut down the machine temporarily ! After about 1 week I got a hearing sheet from the Ordnungsamt der Stadt Duisburg with to the note that the TÜV has expired more than 8 months and want from me 83 € plus 2 PUNKTE in Flensburg! I described the facts to them, but they rejected my admission as not unrelieving! Still as a insertion: the dismantled motorcycle stood/stands in a closed garage on a private road-ergo-naturally the krad has never been moved since the defects – and certainly not in public transport This fact can be attested by some people! r treated as unfair before and now wants to have the case settled in court!!! HAVE I BEEN SUCCESSED ? Greeting from Duisburg-Casialex

Hello, I wanted to be quite clever after my recent liability damage and choose an SV for myself. Unfortunately, only the lawyer got me the idea that my choice of an expert chain, which lives 90% of the German insurance industry, was not quite so clever. Well. It is a more violent parkrempler, bumper, a rear light and a corner of the fender are loaded. My car Skoda Octavia, list 28T€, 8 months and 8TKM old. Repair costs according to SV 2400 € gross. I now notice the following in the report that I have of course looked particularly critical: 1 No replacement value Reason: “The determination of the replacement value has not taken place taking into account the difference between the estimated repair costs and the range of the replacement value.” So, despite LK Deutsch, I don’t understand that. Do I have a claim that the replacement value is determined? 2 Missing parts D yesterday’s visit to a contract workshop revealed that two first parts were simply missing/forgotten. Does the SV have a right of improvement or is it enough to challenge and ignore the report? 3 Impairment This was set with “value reduction tax-neutral 400,00”. That is, if I place my car next to an absolutely equivalent, but without accident, then enough 400€ to convince a buyer to take mine. I find this ridiculous and , no, I don’t want to “enrich” myself. If I understand this correctly, I can’t really challenge this kind of independent opinion formation. 4 Traffic safety The report says “The vehicle is not traffic-proof.” nevertheless, the man let me drive with it from the yard. So, I think that’s quite strange. The lawyer doesn’t really have an opinion about this. I would like to get a second report. At least a repair of this. I find onlin e actually nothing about complaints with SV. Maybe someone here knows advice. Thanks. Hendrik

Hello… I had a damage to my vehicle a few days ago. The causer has run away and the damage has been settled via the comprehensive insurance. To this end the insurer (Allianz) has sent by an expert. It was also handled quickly and I got the money transferred. Now that I have asked Audi for the radiator grille and bonnet, I had to notice this in the report for the radiator grill 130,-euro and for bonnet 283,-euro set At Audi, however, the radiator grille costs 178,-euro and the bonnet 387,-euro. I wonder how the expert came up with these figures and there he should show me where to get the parts for the price… What can I do now in retrospect ? Somehow complain?

Hello, yesterday someone drove into the car. A fist thickness bump in the back. Where exactly this happened I don’t know, but definitely the culprit is gone !!! Has apparently seen no one either. Was most likely when shopping, on the shopping center parking lot. What should I do now, should I still make a report? The chances are rather bad to find those. The color of the other car can be easily recognized !!! Thank you…