Category: KFZ-Versicherung Forum

Moin, unfortunately, did not find an exact answer to my question in the old topics. I had a recent accident without fault. An ugly thing with a driver’s flight etc. But then could locate the culprit. I had a cost estimate made as requested by his insurance. This cost me €50. Since I do not want to repair the damage, I asked to transfer the money without VAT. Now the insurance refuses to pay me. the 50€ for the estimate, because these 50€ would not be incurred in the event of a repair. I do this correctly? (only for information: the damage is less than 750€ therefore no expert) To others I have a part of an expense fee that you get in such cases. How high is this and is this fixed somewhere? I thank you already.

Hello, today I was reminded once again that the vehicle is in my possession for another year, the KfZ insurance sent me the contribution invoice. There you get a SF class downgraded, but still have to pay significantly more. Well, you have a special announcement right. Flight looking for an alternative, because I sit down almost on the bottom of my pants. Currently I should pay for the vehicle 800,90 Euro. With another insurance the contribution would be 442 Eur o go down !! And that of course with otherwise identical conditions (same mileage, same insurance conditions). Well, maybe you can explain it. But now comes the hammer, which I don’t understand at all: If I were to reinsure my vehicle with my current insurance, I would have to pay only 528 euros Can I please explain the logic behind it? Thank you.

The following case: yesterday (Monday, 27.2. 9:00) we bring our vehicle to a contract workshop for guarantee work (control chain), appointment was fixed. Yesterday evening (against 17:00) comes a call from this workshop, the car would not drive any more. They would have changed the control chain, but the vehicle would not have met r. Reason: the ignition cables would have been destroyed by marten bites. They could fix this, of course, but that would cost about 200.- again. Nix guarantee. Now ask us the following questions: we drove the car there yesterday morning. Not pushed, not towed. They drove there (obviously) the vehicle into the workshop, because otherwise the call would probably have come rather, that it does not run anymore. They changed there the control chain – there you should start se What to do? Vehicle is an Altea BJ 2010, 1.2TSI.

With my current vehicle there is a suspicion that it is an economic total damage. The vehicle is about 10 months old and has run about 11500 km. Now my insurance company has commissioned its own expert. I do not like in any way!!!! During the damage assessment I was present and came to the conclusion that this expert may not have covered hidden damages. Another point of dispute was the fixing of the workshop hour. For the calculation the workshop hourly wages of the free workshops should be used. A brand workshop can be significantly higher. For me it would mean: The report is not correct. The total damage will be smaller. Under certain circumstances it will no longer be a total damage. If the damage in a brand workshop is repaired the damage would be significantly higher again. If then a total damage is possible again. However, I have nothing of that. Background: I don’t want to have the vehicle repaired. The higher the damage or a total damage would be very pleasant to me. There should be as small a residual value as possible on the vehicle. I wanted to invest the entire amount of damage in a new vehicle. Then the VAT will also be paid. Even if the vehicle is not repaired. On the other hand, the insurance expert cannot prescribe the repair shop. In addition, he would have to use a flat rate for hidden defects. What kind of legal leeway do I have? Has anyone already gained any experience with such reports.

Hello everyone!! I hope someone can give me a few tips. I had an accident a few months ago. The thing was relatively clear, one of them hit me in the back. The evaluator set the replacement value to 8500 and repair costs to 8200. Now, of course, I wanted to settle on an expert report basis, i.e. 8200 without VAT (6600). I handed the things over to a lawyer and hoped that the thing would go well. The lawyer sent me to the expert, who then made me a statement in which he rescinds the cancellation. Today I received a letter from my lawyer from the insurance company. In which they no longer fictitiously calculate, but deduct the residual value from the replacement value and then come to just under 5600. The lawyer me inte that there is nothing more to get. (and general lawyer showed little interest in the matter) I wanted to ask here whether the insurance really has the right to act like this? And if not, what else could I do? Thanks LG

Hi, I would like to buy a VW Polo, which is a little further away, but also in Germany, but which is not registered at the moment. Do I have to register it at my home and also my insurance or how do you do it best? Until then Johannes

Hello people, have the following problem. Yesterday my car radio was stolen from me. Very classic with the screwdriver the locking mechanism levered up. So I also had a damage to the sheet metal under the door handle. Also the lock of the passenger door can be operated net more. Fortunately I have a radio remote control. Thus the car can still be closed or opened. Radio was a JVC, one of the first MP3 radios. So was three years ago quite expensive. I don’t know. I don’t have the invoice any more. I have to go to the dealer. So, now to my real problem. How kulant are insurances (HUK)? The vehicle is insured by my mother. At that time registered as a second car. But I moved out of the car and no longer live at home. Since it has less percent, the car has not yet been re-registered (poor apprentice). I read the insurance policy yesterday and noticed that the car is The vehicle is usually not in the garage, the mileage is now 30,000 instead of 15,000 km. The vehicle is used exclusively by me, but no longer live in the same domestic community. Well… would you say, “Pech had?” That’s what I thought of yesterday? The damage is now reported (police and police) and V I made an online damage report with the insurance company, since I could not reach any more by phone yesterday. What do you think about it now? Can anyone possibly tell me how expensive the fun can be. Apart from the radio the two door handles have to be replaced incl. locks. In addition the hole under the door handle. Here also the paint has skipped a little. It is a Seat Cordoba Bj. 2000 (6K).

A well-known direct insurer – who does not like to rest in the first place – now offers a Comfort fare, in which 3 accidents, which would lead to a downgrading lead to no change of the SF. Does this not lead to insurance fraud? More meaningful would be a damage-dependent upgrading or? EDIT: Applies to liability and fully comprehensive.

Moin, I have a question to the department*, I have already tormented the search and have not come to a satisfactory result. Just in advance, it is not a real claim against anyone but a purely theoretical fact. Fogender Hergang: I have an unscathed accident, the accident opponent is 100% guilty, a total damage to my vehicle has occurred. Now the WBW has to be determined. In this case, for me as a layman the following Fra ge: Supposedly my car is a specimen sold quite rarely in Germany, the car in itself was more often, but not in this motorization. Thus, the offer on the used vehicle market is quite small. The SV actually assumes an average between list price and market price, right? How would a WBW determination look like in the present constellation? To make it a little easier we simply take the following vehicle data: Manufacturer 3004 FzgType 1 77 Equipment Privilege + Xenon SW Are other motorizations used to determine the WWW? Now I’m looking forward to hearing from the expert* Gruss Marcus *Specialist staff = people who know about it PS: no, I won’t need a lawyer…

I had a fire case with my vehicle a few months ago. Has everything been correctly refunded and replaced so far. There was also damage to the building. Today I get the following letter from the insurance company of the homeowner (fire-building insurance). Dear Mr. XXXX We are currently checking our regress options. According to the information provided by us, the fire damage has been caused by your vehicle. Please let us know the registration number of your car as well as the car liability Westphalian Provinial Versicherung AG (Westfälische Provinial Versicherung AG) What the hell does that mean?