Category: KFZ-Versicherung Forum

Hello! A few days ago something very stupid happened to me. When I tried to put my cell phone (on but with locked keys) in the compartment in the center console so that you can look at the reception display during the further drive, I drove right against the guardrail. According to the workshop the damage is about 1500€, so I would like to handle the damage via the comprehensive insurance. I wonder if the insurance possibly rejects because of the involved cell phone. What do you think about this? Have you already had experiences with similar cases. I hope and don’t think, because I didn’t call, the cell phone didn’t ring, I didn’t press a button and this could have happened with any other object, e.g. placing thermometers or other. Thanks for your answers in advance! Greetings Markus, annoyed about this stupidity 🙂

so since I want to get rid of my kfz and certainly soon someone also wants to make a test drive I have no question what is it then if the oda drives the other somewhere so? I can happen my imma times what aba what looks like with the vers. out? would then pay my kfz liability (which means I get higher graded) oda nä hausrat vom ander? (if any available) maybe give there special regulations because I also specified that apart from me nobody else is driving the car okay thank you already greeting soul-was

Hello all, there is probably a quite extensive table for non-use compensation, in which the different brands, types and equipment are recorded. Perhaps someone has access to it and can tell me where a Golf 4 TDI tiptronic with 131hp and full equipment (gross list price 2003 approx. 36.000€) is classified. Thank you and greeting

Hello, my sister bought a brand-new Golf 6 nine months ago. Her pensioner drove into the parked car (shrink in the side part at the back). Estimate from the VW dealer: 1,200 Euro How much euro does the car now have loss of value due to this accident damage? The insurance simply wants to drain her without extra money for loss of value due to the accident. In addition to the reimbursement of the repair costs you have to get the additional value loss replaced because finally the Car now no longer accident-free even if the damage is repaired. Will 500 euros go there? Must it know so that we can demand it. Thanks. mfg

Huhu I have already mentioned my preferred car, which I do not own at this time An Audi A4 (B5) 1.8T. In car insurance comparisons via aspect-online.de he gave me the WGV Optimal as the cheapest insurance, then the Admiral Direkt. In another insurance comparison the Admiral Direkt came out as the cheapest provider, but with almost the same information about 100€ more expensive per year than the offer at aspect-online. As Schreddi said so nicely: Quotation: Original written by Schreddi Now briefly to my situation: 18 years young, participant in BF17, driving licence since May 2009. Currently I am still living with my parents near Nuremberg. From September I will move to NRW in the course of a dual studies to study there, while the practical phases are in Erlangen. 1. Now I wonder if the advantages, which has a “normal” insurance against a direct insurance, especially the contact person on site, still count the same, if I am anyway in NRW and sometimes in Bavaria. Suppose I have a damage case in NRW, but the contact person is from Nuremberg, what is then? 2. Are direct insurances generally recommended to novice drivers? Even after Google search I am not optimally sure whether this is a direct insurance company or not, I just take it strongly. I hope e, you can give me some tips and advice (: Greeting Steffen

Hello I turn to you today with a huge problem and hope very much that someone can help me here. We bought a BMW E38 this week and wanted to register it immediately, however, we lacked the vehicle license. According to registration: without vehicle license no registration. We asked the seller if he still had this one, unfortunately he didn’t have one. So we turned to the previous owner. Now comes the next blow. He had an export license on the car and thus s ind original vehicle license and letter were withdrawn. He had an export vehicle license and probably also letter, but he can not find it anymore. The car never left Germany.How can I let the car back? In the vehicle letter we received to the car is in the last line: replacement vehicle letter. What does that mean? I hope so much that someone can help me.

The car is 24 years old, hardly worth anything (maximum 800€), but we are about 30 days a year in Germany (lives permanently abroad) and have placed it with acquaintances who occasionally leave the car. The insurance of my grandmother is very expensive (435€ liability) for the 2-3 thousand km we drive every year. However, we still want it b But now we have a problem, neither I, nor my mother have any proof regarding damage freedom class, no fixed residence in Germany (only a letter address with acquaintances) because you live for more than 50 years and I have been abroad since birth. On our local insurance contracts and modesty there is nothing like that, although my mother drives 45 years without accident. What would you recommend? With which insurance is it worth it to call (I can’t complete online forms because of lack of certain data such as damage-freedom class)? The current insurance thinks any change would be more expensive…can that be true?

Hello together, with this post I want to clean up with the rumor that the stonefall repair at Carglass is free. I would also like to get to know your opinion about this in my opinion misleading advertising. Here is what it really looks like : The advertisement says that Carglass performs the repair free of charge with existing partial cascade. However, this is not correct, because of course a bill is written and it must be paid of course These repair costs do not have to be paid directly by the customer, but by his insurance. So if I remember correctly a job for which someone has to pay after all not free of charge. For example, for free would be if you now in October take the light test actions in all master plants of the car interior and no one has to pay for this work. Another example with which you personally pay nothing but the e whole action is still not free : You go with your father to buy a DVD player for you and your father then pays 200 euros, then you did not pay anything yourself but it was not free then, or ? In addition, the cost calculation of the stone impact repair with the insurance is of course even if there is an excess for all car glassers and workshops. That means that Carglass operates with some advertising this quite normal and for other car glassers I would also like to point out that the advertising of Carglass only applies to the repair of the disc and not to the exchange, because there must be paid the excess. So and now my personal opinion : Does it have a big company like Carglass because it is necessary to mislead the people and to brag with a little bit grossly, that for a thousand other car glass companies is the most normal in the world. So I convince for my part, nevertheless, to advertise through quality and service by master hand as with such misleading sayings. Please tell me what you think of this advertisement and how you understood the slogan. Your opinion is very important to me.

Good evening I had an accident with my new 2300km YAMAHA YZF-R3. My insurance is Sportect, a subsidiary of Nuremberg. I’m probably guilty, I lost control over the motorcycle, but don’t remember at all. Strange is, I also drove about 30 in a 30’s zone. It was incomprehensible. Well. Anyway, the motorcycle is now in my garage. According to the expert/s total damage. I really don’t know how the expert comes to 850€ part costs t… I have created an invoice of almost 1200€ with the things I have now found to replace. The items are available on procaliber.com or on partzilla.com The insurance is at 1000€ excess, I am also a beginner. And 5200€ value without VAT. = 4400€ of which deduct the residual value and the excess, so stay 1800-1990€. That can’t be the case with a comprehensive insurance? In the appendix I have the report, together with all the pictures h I thought it would be good to remove all the parts that are damaged or have to be removed anyway. What could I do now? Thank you very much!

Hello, I would like to ask your advice in the following case: My mother-in-law has driven someone into the side of the 15 year old car. The vehicle is still driving, but due to the large side wall damage “economic total damage”, i.e. repair costs were scrapped with approx. 4000 Euro, vehicle value clearly below. Now the insurance asserts that the car is compensated with total 1000 Euro incl. 100 Euro scrapping part, but for that the vehicle In my opinion, however, it can receive more than 100 euros for the car from the local scrap dealer. Can my mother-in-law “reject” the scrapping portion and apply for payment of the replacement value and keep the car or can the insurance here still deduct “other costs” from the replacement value or completely replace it? Unfortunately, I have no comprehensive information on the topic of total damage and processing with the insurance found. Thank you for the help Joe