Category: KFZ-Versicherung Forum

Hello together, as an active reader I also have a question about four weeks ago when I was parked I was damaged the bumper. The bad guy immediately informed me of his insurance number etc., so that I can calculate the damage. Three days later I had a cost estimate made in a contract workshop and submitted it to the insurance company. An expert called me and said that the damage must be assessed by an expert. a week later, the secretary of the expert wanted to arrange an appointment with me. However, since I always have little time and need the car constantly, I asked her to call me again the next day. Since then, I haven’t heard anything. Is it my business to run after the gentlemen? Should I drive to the DEKRA or the TÜV and have a “short report” done? I would also like to have the car repaired, but not in the contract workshop, i.e. the regulation should take place on an expert basis. Can the insurance deny me the payment if they have not looked at the car by their own expert? Thank you already in advance,

I hope one of you can help me, because the search did not throw out anything.. In a parking lot someone drove me against the bumper. The insurance was notified and agreed to take over the damage. At the same time I got a good offer for the M sports package – so did not want a repair but instead rather money for the new purchase. I obtained an estimate from BMW , which amounts to net about 600 EUR + VAT. lies d he sum at approx. 720 EUR. At the request of the insurance I mailed the estimate, as well as pictures. I was told that a settlement on the basis of the estimate would not be a problem. (= net price of the estimate) So I assumed from approx. 600 EUR. Now, after Easter, I get mail from the insurance. There has been an examination based on the pictures and the estimate. The initial calculation was corrected independently and now results sic h a total of 380 EUR net (incl. expenses) among other things the transfer from BMW dealer to paintr was set from 95 EUR to 0 EUR ! That is, the insurance simply took other hourly invoice rates and tries to press the sum. again: There was no expert here, the sum was calculated based on the pictures and regional hourly invoice rates. An absolute impudence to assure me at first a bit and then later to turn the facts upside down ! e Questions that arise from this: – Can the insurance simply calculate “from the office chair” from a different amount than a BMW dealer ? – Would I be entitled to a rental car for the duration of the repair ? – did you also experience something like that or tips for me ? I would be very pleased if you have any tips, since unfortunately I don’t have a lot of idea about insurance questions. Thank you, Gruss Moritz

Hello, my parents live in Poland, but I have a German passport and also have my main residence here in Germany. If I get a car and have it insured there in the name of my father, can I still drive by car in Germany and how long? I mean everyone does the same thing here in Germany to save taxes. What happens if I am checked at a checkpoint and you see that I drive my father’s car but in Poland I don’t know what to do. Is there any trouble there? Greetings

Hello community ! I’m new here and I have a probably unusual question. I live with my family center close to a larger city. 6 years ago we realized that we hardly need our car. Everything is easy to reach by bicycle and public transport. Since then we have sold the car ind without. I drove 21 years accident-free and thus had the damage-free discount of 30, 33%. My insurer at that time said that it remains for 7 years and I immediately afterwards to 100 or 150 % ???? to be upgraded. Now you never know what life is like, tomorrow I may have to move somewhere else and need a car again. How could I keep my damage-free discount as cheap as possible? Would it be enough if I bought a motor and deposited the home somewhere? So then pay the car tax and the liability further ? Or should I just put a cheap vehicle on the road ? Thanks for your help ! Michael

Already sorry for it OT, but this article from the world Compact of today I can not withhold from you (except once again a nice opportunity to beat up on us insurance brats ): =======================================Herr Kaiser has the most unpopular job in Germany Hamburg – insurance representative is according to a survey the most unpopular job of the Germans. Fat every second German citizen can under no circumstances imagine to work as insurance representative, as from a According to the survey, a further 30% of citizens would be excluded from a political career and 29% would never work as drivers. According to the survey, the poor performance of insurance representatives is due to their low reputation. Only three per cent of citizens would show a great deal of respect for the profession. Around three-quarters of those surveyed who are able to do the job of insurance representative In addition, the perception of the insurance representatives also turns out to be rather benevolent respondents. Thus, the profession itself is often associated with “smuggling” (48%) or “klink cleaning” (43%) by those who practice it. Moreover, 42% of the existential pressure for success is disrupting. ================================ If I catch up with those who have given these answers…. Greeting from the horrified sause

Hello, I hope you can clarify our regular table discussion a little bit. And this is about the following Zenario: Boy is hit with his registered scooter (from 50ccm to 25km/h) when trying a standing vehicle (PKW), which wants to turn left to overtake (or pass right) and comes to fall. The car pulled out before the turn (it was before) strongly to the right, when the scooter driver is right next to his mirror. Now comes the real hook. The “Mofa” runs just under 70 km/h is insured as 25s and the BE is issued on Mofa. Driver has a mofa test certificate. Police would take this damage and keep this technical change. What would the consequences be in case of a damage regulation? possible legal consequences? Damage (accepted) “Mofafahrer” Scratched disguise and several abrasions car…

A few weeks ago an old woman came to my car when I parked. According to the report (DEKRA) the repair costs are 1 232,74 €, the depreciation of the vehicle 120 € Now the opposing insurance has paid, but of course not everything! According to her “test report” the repair costs are 1 175,48 € and there were 3 workshops, which I should visit. “Since equivalent cheaper repair possibilities are easily accessible regionally, we count up to the In addition, we have received a letter from DEKRA, since the insurance company only paid the net amount of its invoice. Now DEKRA demands 19% VAT from us. Since I have been thinking about getting something new for some time now, I do not want to let the damage be done for the time being. Only after the winter will it be decided by me. Now my questions: According to the German version, I am entitled to this “Porschejudgment” even in case of unrepaired damage to the hourly rate of my contract workshop!?! Or has something changed? Besides, the insurance must pay for all the working hours incurred also the VAT? If I decide for a new aluminium rim with tires, she must pay the extra duty for it, balance etc.. That must then also apply for the work done by the DEKRA!? First I wanted for 50 € Reparaturko I’m not going to the lawyer less, if the insurance company now wants to unfairly keep an eye on the 19% VAT, I guess I have to go. Or what do you think?

hello, so somehow I have this month only pech. one drives me drunk, and now a woman in front of my car runs me. now to the latter case: there is a road on the 50 are allowed. right pedestrian and bike path. left a street railway island. say there you don’t need to drive slower because yes abtrenter area is. to reach your railway in time she quickly ran between parking cars on the road and I still saw and braked her goddams . at the end of the braking I then met her with thanks to God with only maybe 5 km/h or so, so that she only fell to the ground. ambulance came, but could not find anything special. she only had a shock. didn’t want to go to the hospital. her was pretty quick again. I drove about 50 km/h. the police found a approx. 11,5m long brake track in the vicinity. if that was mine now nobody can say so exactly. from traffic law I actually did not ine to blame I think times (but let me also like to teach a better one). but I still have something to fear, because I always know of hear/say, the driver is always the joke. thank you and greetings, docmax

Hello everybody! Last Saturday I passed the following painter in the (hilly) parking lot of a shopping center: I bought a large carpet and transported it to my car with a shopping car. first I put it sideways to my car, but had to take it away, because another car just wanted to park me. anyway I took the carpet out of the shopping car. in this eye view this sat in motion and rammed a parking peugeot in the rear wing, which left behind three small dellen. since I already have one or the other delle from the parking lot and know how annoying it is and also the opinion is that one has to stand for the crap that one also has to read, I had the driver of the car exclaimed, although bystanders thought that there was nothing to be seen (^^). Well, on Monday the accident opponent called me and said his workshop had caused a damage of 732€, since no lacquers If you have any problems with your car, you will have to ask me if you have any problems with your car, but the bike box got a little bit off… (it went out from about 50-100€). Now my question is: the car which I drove is mine (owner according to §334ff BGB), i.e. I have approved the letter and the KV, but it is insured on the mother of my girlfriend. now I have of course reported the damage to my private liability insurance (at first by telephone). Does the private HV or the KfZ-HV for the damage? Thank you for your help and LG Ka rlsquell78

Hello, I ask for your help 6 months ago bought an old car. 12 years old. paid 3500 euros at a car dealer. (BMW 316) who also sold me a guarantee. 150 euros for a year. now the car is kaput. so that the factory town opposite its dealers wanted to invite me the reparien. after which only the Hudrostössel was kaput he has now said that the tooth-brittle has to be awakened and also the camshaft. so that a bill of 1200 euros has set. the Garatie I have taken over 550 euros of it. do I have a CHANCE to get the remaining amount of 650 euros from my dealer? where I bought the car he had 135,000 km and now 142000 km. so I drove in 6 months 7000 km. and this error was already in the beginning. of course did not slip into contract but now after 6 months the engine has given extremely laiute smell and the performance was also gone. so have let this change. but as I said I thought it’s just the hydro plug and that wouldn’t have been so expensive. but now… what’s a guarantee. would that be in there? if so what can I do now? please help me because I’m totally desperate. am a poor azubine and I have to save for a long time for the car. better said since my birth (weinhachtsgeld birthday) etc. LG jiji