Category: KFZ-Versicherung Forum

Hi to everyone! I often hear from more and more people that they drive with 18 to 30% SFR, with the car of their parents. But now I know that this is not possible, because of the risk increases of the age and that you have to start with at least 140%. How does this end in these exceptional cases? Is this simply not reported to the insurance company and ebi accident pech or are there ways to be insured on so little SFR than the newcomer? Thank you!

I, now 25 years (12.03.84) old, driving license since 10.09.2002, i.e. 5 years. The insurance of my old car was registered to my mother and I was registered as a passenger (from the beginning). You/We started with SF1/2 and are now with SF3 (3 damage-free years). Now I sold my old car and bought a new one, registered to me and the new insurance registered to me with SF3. Today I got a letter from the insurance company, d Is it possible to transfer a discount on the basis of the driver’s license data and the usage period only to SF2. WIESO? It says that it can only be transferred so much, how much I could have experienced myself. Since I have already had my driver’s license for 5 years, I could have experienced the 3 years myself, so I have to get my SF3 or not? Or could I not theoretically have experienced the 3 years myself, since I should have started with SF0? the insurance company telephoned and they thought I should put all the documents together (of the old KVs) and send the license and all that again for verification. What do you say?

Moin I had a self-indebted accident this morning on the way to work, it’s all well, it’s all about sheet metal damage. Since it’s my first accident I have a few questions!! 1.My Fiat is fully insured without SB, which means that I have nothing to bear in addition to the upgrade in itself at costs or? 2.What about a rental car for me? I absolutely need a car for work, my insurance will also refund me or do I have to pay myself? 3.What about the loss of value of the vehicle, do I get the refund? 4.Can I possibly regulate what about the company, since it happened on the way to work? 5.The reason for the crash was that I came from a driveway, right in front is a barrier area on which a large trailer was standing so that I had absolutely no insight and despite all the precaution could not prevent the accident! I can make the trailer holder liable because it was standing in the locked area and took my view The police couldn’t say anything! Hope for your help Mfg Christian

My story: My car was scratched the penultimate Saturday, on the passenger side beautiful from the front fender, over the driver’s door further to the back door. On the passenger side the fender was scratched completely on the back right (beautifully in circular movements). So I to the police and a good news: the perpetrators were caught snorted. But there was also bad news: the perpetrators were not They were only 9 years old. By the way, the children scratch 30!!! Cars, Well well. Now I was at the youth court aid (or whatever that means, at least that’s what they’re doing now) and they said that I might stay on the damage. The parents probably don’t stick, and you can’t even get the children. What should I do? Then she said that I should do civil law, only then I get money when the, now 9 years old n, earn money myself. I am a student and I have 500€ for the repair of the damage simply too much! I don’t want to make any money from it, but just have the ugly scratches away. My car only has liability, since it is now already 12 years old. Why is the liability of the parents not liable? Please help me!

have a few questions and needy times specialist help. still wants to register this month a (second) car. since I already have one to run with my insurance will be classified the second in sf 1/2 (date can be set to 1.7.07). have me online times the calculated and at the end always appear annual fee, then half and then quarterly. if I have to pay for this last half year what amount is that then (the half of the annual sum??) ? if unfa llfrei ist ja zum Jahreswechsel die gradierung in 85 % . does the 85% sum also refer to the annual contribution that has been announced here ? so 1200 in the year , half then 600 , quarter then 300 ( the small surcharges we leave on page !! ) . which sum must be paid for sf 1/2 ? then what does the bill for 85% look like ? I hope on you thx

Night together! Yesterday I set up a “smaller car park” on a motorway. I drove into a traffic jam and pushed three cars into each other. No one has happened and all cars still drive – but the damage to my car alone is according to the reviewer about the 10,000€. My question is however a completely different one: my insurance fuzzi (Gerling) says that it is not after number of accidents per year, but about the number of damages. And since I have three cars together! I always thought it counted the accidents per year *confused am* Please help! Thank you and Gruss, Matthias

Moin! My girlfriend’s parking car was rammed by a second car a few days ago while parking. The opponent was a rental car, the incident was seen by two witnesses and kindly they left us a note on which they described the incident and left their number. Of course, the causer made a hit, although the impact was so severe that the rammed car moved clearly. A big surprise: you have to get around EVERYTHING se My question now: what about an expert? Do you have to accept the insurance policy of the opposing party or can you propose your own and, above all, independent insurance policy? If so, who pays for it? The debt issue should be clear even in our state of law. Do you also have to accept that the insurance expert will take X weeks until he has time? Or can you set deadlines? I would be grateful for a brief information.

My girlfriend had an accident today. The traffic light was yellow and she braked to stop, on it another woman banged on her back. So the back including the lamps are pressed in. Now come on: They then drove to the police (not called and let come) and had the one police accident report prepared. However, my girlfriend did not ask for anything and had it filled out… No European accident report, no copy of the police report. Accident report nothing Now I’m looking for advice what else can you do?

The day before yesterday I had an accident. I went shopping with my child (22 months). Then I stopped at the red light, then gave my child a kekse, looked at the clock, several times at the traffic light. Then I see that the traffic light is green, and I drove off. And then left….. such a brawl… the car was hurled. In my Toyota Avensis old Ford Fiesta drove in. There is an older couple, the woman was at the wheel. I was very shocked (head, neck) )), then shock, child screams. I stayed sitting for a few minutes, turned to my child, then got out of the car, took the child out. Everywhere were already many people, helpers, service cars, police. Someone took me out of the road with child. Overall three cars were involved. Ford, I think, totally damaged. My Toyota also looks like that, becomes clear on Monday. BMW is, as I have seen, not so bad. The police officer asked me and wrote down, I told so But then it became clear to me that these two cars also had green… .. that means that it was still red with me, supposedly, but still red. I had no eyewitnesses who can confirm my statement. And I am convinced myself that I saw green, I am not a kamikaze… I did not have alcohol, take no medication, was not in a hurry and was not tired… .. I can’t explain it at all! I, my child, the woman and her husband I was taken to the hospital for X-rays and examination. Everything is OK with us, but I have something in the neck area, I have to go on examination, but I’m okay with my health. My little one was just in shock, the child seat saved him. The man had nothing, the woman was examined, had no idea if anything was detected with her except bruises. She then ran out of the hospital herself, on her own feet. Then in the hospital, the police sent me to the hospital. eamtin the accident report or report pressed into my hand and said that I was to blame. But it is being led to criminal proceedings to clarify the whole thing. She said that I, maybe, would forget… The insurance I informed, I have comprehensively, I also got the replacement car from Toyota… Now I sit and wait for what’s coming to me. I don’t know what to do now, or just sit and wait…. Maybe, someone knows what I’m doing and what I’m not doing. Which also bothers me very much, that I stood at the “red” and then drove when I saw “green”. And if it was “red” after all…. I’m afraid to drive now because I can’t trust my eyes anymore…. Thank you

Hello, my wife had a small accident today. According to the officials, it is not quite clear who the cause of the accident is. My wife was driving behind a driving school car that was very slow (feeled 20km/h at 50km/h registered). She could see very far straight ahead, there was no oncoming traffic or a danger to other road users and she decided to overtake the driving school car. My wife was ready that you could almost slip into your lane again. e, when from an exit on the left side (there is a yard of a shop where there are several parking lots) a vehicle drove in as far as there was a collision. Our vehicle was ground from the middle of the driver’s door to the rear wheelwheel. In the opposing vehicle the front bumper is sanded left. Unfortunately, the statements of the officials do not indicate who is now cause of the accident. First, the officials should have said that it looks like this, As if my wife was the cause of the accident. After that, they should have said that it is not prohibited to overtake this route and that it is understandable because a slow driving school car was on the way. Then the officials should have said that the opponent’s vehicle should not have been allowed to enter the road as long as one is not sure whether it is free. These are all contradictory statements of the officials, where I simply cannot understand, Who is the cause of the accident? What is your opinion on this? I have reported it to my insurance company, they have taken everything and said that I should call the opposing insurance company so that they can regulate the damage. So they seem to assume that the opponent is to blame for the accident. Isn’t that possible only when it is clear who is the cause of the accident? So I can’t just have an expert report and an expert report drawn up now, where there is still an accident. I don’t know who is the cause of the accident. Who will then cover these costs? I just don’t know how to proceed at the moment thanks