Category: KFZ-Versicherung Forum

Hello dear readers! I hope you can give me concrete help or clarify the situation. At the beginning of 2009 we had a liability damage as a victim (evil parked out, drove to our car). Now the whole “thing” ran a little curious… The vehicle was presented to the Wekstatt, cost estimate, next expert report. The opposing insurance provided us with a calculation check (not quite equal to the estimate – this was before the assessment The AH claimed the balance of the total repair costs from the opposing insurance. The insurance then paid again the total amount of the repair. Clearly formulated – the damage was paid almost twice by the opposing insurance. [Probably the apprentice was used to regulate the costs] The AH has the excess amount of the AH. of course, you have to pay us back. Now my question(s): 1. Until when does the insurance company have the possibility to recover the too much paid? 2. Is it necessary to report the overpayment (enrichment) yourself? 3. Other information? Thank you very much in advance.

About 2 weeks ago I had a traffic accident, I was not to blame. A short time later I drove to the dealer with the request to hire an expert to tell the damage, that was on Monday afternoon. On Tuesday afternoon I was prevented because of operational difficulties, so that I could not leave the rental car, so that the loan of the company Europcar extended to 3 days overall. I have now decided not to have the vehicle repaired. The insurance company now informs me that without a proven repair it is not possible to take over the costs. In fact, I see that 3 days are not fully paid, but one for the purpose of obtaining an expert report should not be a problem, or I have to draw up an RA first, which I did not exceptionally. My vehicle was ready to drive.

Hello everyone! I now have a “small” problem and would be very happy about a few tips! I had a traffic damage case exactly a month ago. In the roundabout I drove quite quietly home in my lane, when suddenly a girl from the right lane came into mine. Her car was a bit front, right in front of me and probably I was in a blind spot and since the distance between us was perhaps only 2-3 meters, I could not brake so fast and put her into the She immediately called the police and at the same time started to cry violently.. After that, the police came, took some pictures and wrote down something. The girl said that I was to blame because I was in the same lane as her and when she braked briefly, I drove into her car. I don’t know what the police wrote.. I notified her insurance, we prepared an expert report there about the damage court. He and then I waited. Yesterday came a letter from there, where it says that they still requested the police file and that we have to wait until the file is there. Today I called there and the SB told me that the other party is of the opinion that it is innocent and therefore the guilt should lie with me… Now my question; if the police took over the description of the woman in the minutes and practically confirmed my guilt; what should I do? And my two a question: the young lady named a witness; this witness is in my opinion very dubious; for I did not see her during the time of the accident and she only came later; and I believe that she is friends with my opponent.. so my guess: they phoned, she came and probably gave the record that she experienced everything live… then she could theoretically say that I was actually in the same track and was to blame for all em bin… what should I do now in such a case? PS: I took a picture later (the next day) of the high-rise building and then created a sketch of the location or the road position with two cars (and gave the insurance), this is the first picture here; moreover, I uploaded here the three pictures that show the situation after the incident; where the cars stand and the damage itself.. can be recognized from these pictures immediately that they correspond with my description of the incident immen? I would be very happy to answer!!!

Dear MT community, my 7 day old Golf 6 1.4 TSI (at the time 500km, now 700km) was slightly damaged on Sunday by an accident (with a camper) at the rear bumper. The cause of the accident admitted that he was responsible and wants to report the accident today with his insurance. Nevertheless, my golf is probably classified as an accident car and I really don’t want to, especially since the car is a few days old. I have from a friend find out that you can complain about a new car, because the car is not yet a month old and still has under 1000km on it. I then searched Google and found some confirmations. What would you advise now, since the cause of the accident is also an expert of KÜS.

What to do,Car sales IN Poland if I want to sell my car with German registration within Poland to a Poland ????

Hello and that the girlfriend of my mama has borrowed her car from us then I took out the keys of the handbag from my mama where she has the clothes hangers.Bin drove for a while, then started raining and it was a bmw 320i I pushed a bit more on the gas pedal and the bmw slipped and I have a Renault Clio bj.2006 and a trailer damaged the bmw is of course TOTALSCHADEN.What happens now is 17 years old ? will our ha If it’s going to pay or how can it help me ?? will the driver’s license be drawn by my mother ? or do we have to pay it now what happens to my mama’s girlfriend ? none to help me there another M.F.G Micha

Hello..02.06.2009_18:45 I thought I never caught it.. but apparently you can’t get around it. Last Tuesday an old woman drove in the car. She came out of a driveway, I drove on the main road with about Tacho 45 km/h. Probably looked me over; she says another driver had waved her out. I still made a full brake and tried to avoid it, but didn’t work out. Well, anyway, it’s her fault. 19:15 Call to the central call of the insurer. Call to the opposing insurance company. Report the damage. Order of the insurance expert. The expert should contact me within 48 hours. 04.06.2009_19:20 No call of the expert so far. 48 hours passed. 19:25 Call to the opposing insurance company. Appointment for expert inspection for next Monday (today) 08.06.2009 between 0 8:00 a.m. and 10:00 a.m. Telephone instruction of the insurance company I should stay at home from work, as appointments are only possible Mon-Fri 8-12 a.m. Other telephone instruction: If I can’t make the appointment, please contact me before Monday. 08.06.2009_06:30 Start of duty. yo-chi stays at home and waits for the expert. 08:00 yo-chi goes armed with mobile phone to the vehicle to do small things (pull out, wash the water). DEKRA. The expert will not come. No further appointment, as no appointments for inspection are free. DEKRA wants to call either on Tuesday or Wednesday again. 08:25 yo-chi sour. Short determined trip to the independent KÜS expert and preparation of an accident report. Costs must be taken over anyway by the opposing insurance. I ́m curious what there is in there and whether a total damage will be or not. Geil.. did not have extra around 06. :30 o’clock started to work, but took hours off to come later, all because of the appointment, which was then canceled. In the end I was at work at 09:20 o’clock. Can I demand the time from 06:30 o’clock to 08:50 o’clock (08:20 o’clock + 30 minutes driving time to work) from the insurance company? I’m not responsible for the fact that the expert didn’t come. Just as little is it my fault that I’m not informed until Monday at 08:20 o’clock that the appointment nic If the accident did not happen, then I would have spent my time differently than waiting for the expert at home. Normally I would not say anything, but the opposing insurance company has informed me especially if the appointment could not take place on my part, then I should report immediately and not only on Monday. I should stick to it, but the insurance needs to take place. as apparently not?! Greetings yo-chi (hoppla is that but much text..)

Hello forum! This is not a special “1er question” but unfortunately I don’t know where else I could put it. I found that it has a clear effect on the amount of the insurance if you specify another user in the application apart from the owner. (in my case approx. €70.00 / year difference) On the other hand, I have heard that in case of damage, the insurance must pay in any case, so even if a person was at the tax, who according to the contract did not pay for use In this case, the owner only has to pay the difference in contributions. Is that correct? Is it not in every case cheaper to specify only himself (= vehicle owner) as user? How much contribution must be paid in case of damage? (since the beginning of the insurance?, year?, quarter?, month?) Thanks for tips!

I am still insured with the Allianz and have had an increase in performance with my A3 8P from 200 to 239hp. After that I gave my above mentioned insurance the current vehicle letter. The result is that my insurance wants me instead of previously 512Euro for liability and all-inclusive now in the year 170€ per year. So maybe I was blue-eyed but I have heard from several sides that the insurance usually does not or if only modera But now to my actual question: Can someone from my own experience recommend me an insurance that after an increase in performance the contributions fair or not increased? In other posts I have read more often that the Huk would be quite ok. However, I would like to have opinions from first hand. Thank you for your help!

Hello, the following: my parents divorced about 3 years ago. I would like to buy a 325er and of course it should be insured as cheaply as possible. before it looked like we had two cars, insured with the hdi (insurance taker my father). Both were in the same SFK 9, i.e. 45% although we had drivers under 20 years (me). Now I wanted to ask myself if it is possible if my mother would sign a new contract for the 325er. 5% can take over and then register me as a second driver.