Hello, in January 2011 I changed my vehicle and registered it with my car insurance with a double card. I received a request from the VS which I filled out and sent back. When I recently wanted to register a second car with this VS, it turned out and this I have now written by the VS that a processing error of the VS of the processing process was interrupted and never a insurance certificate was created. The VS employee told me by telephone that my car had not been insured since January11 and fortunately it had not been harmed. Now my VS is demanding the contribution since Jan. 2010 with a driving performance of 12000 km. Is this right?
Category: KFZ-Versicherung Forum
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Special scheme Initial classification 85 %, then after 1 year change of insurance
Moin, short question about the practice in car insurance companies: I, 21, want to buy first car and insure myself, contract about parents / grandpa etc. unfortunately withdraws. Never had a car insurance, have had a driver’s license for almost 3 years. Now the insurer of my parents offers simply the following: Because my parents have insured car there for x years, I can enter as a son directly with 85% (instead of regular 230 %) in the liability, which corresponds to SF 3 – m The parents are not legally involved in this.The following idea, and my question to you is whether the companies are involved: I assure a car for the duration of one year with just this insurer of my parents and pay there for SF class 3 / 85% liability. After a year I quit there and switch to one of the much cheaper direct insurers proposed at check24. that direct insurer (I don’t know yet, which one ) then classify me in the SF 3 or alternatively with 85% or would they say: You can not have driven at all 3 years accident – / regulation-free, but only 1 year, so we only offer SF 1 ?! So can I take such a special discount with a special insurance to other insurances, which do not have such parent customer loyalty regulations ? Thank you !!
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Flyn a friend’s scooter (fast answer)
Don’t cheer up the hard edge, please. I know I fucked up. Drive for half a year Samson S51. Yesterday there was a party with a buddy. I didn’t drink anything, because I’m a cook on diet and muscle building, well, but no matter. Anyway, everyone drove with their scooter. Then I wanted to go around the corner, in such a road that is muddy and full of potholes, and then it happened. I broke and slipped away to the side. I caught myself, d As result, a broken pants and some paint damage. Your father estimates the damage to 1000€. I could not tell my parents because of the insurance business, because they are just on the honeymoon. I don’t know what to do? Who to turn to? What to consider? If I have a chance at all. I don’t want to tell my parents about their honeymoon I don’t want to destroy. If I have forgotten something important please m I’m so fucked up today, because this is the first time I’ve ever had a road accident.
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Damage to property Golf VI
Hello, unfortunately in December someone scratched my golf and mucked and dented. Affected are fenders left, headlights left, bumper front left and the bonnet. As I am fully insured and according to an estimate the damage is at 3000€ gross (VW-Werkstatt) I decided to use these. After submitting the documents and a prior acceptance of the estimate, the insurance nevertheless sent an expert. According to expert reports are On the day of the accident, I called the police, who also took the damage. It was even the paint abrasion on the hood. Partial damage 1: fenders, headlights, bumpers Partial damage 2: hood Also, the hourly wage of 95€ net, calculated by the expert, is in my opinion quite low. Positions such as bumpers are also recorded with other sums. t, when the VW-Werkstatt noted it on the cost estimate. The painting is all noted as “repair painting”, which is not possible with my color (pearl effect) according to several workshops. Here it would have to be painted, in order to recognize no color difference. Now I wanted to ask you whether it is worth challenging the report and whether the whole is in a healthy relationship? Counter-assessments are then to be carried by me and considerably more expensive.
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Own damage to the car by trailer
Hello, something sadmous happened to me. I drove with a shelf loaded in the trailer (with a thin rope) through our underpass. Through the wind pressures the rope tore down and the shelf flew down. At that moment I only thought. Returning in, driving back so that others could see my vehicle and not pour into the shelf. I just didn’t think about the trailer, and it hit one and into my right side. Super!!! . Statement: We do not pay because only damages are taken over which occur from the outside. A trailer behind the car is a unit and is not taken over. Have already thought about the legal protection a lawyer, because I wanted to protect the following traffic. goods today at a bodywork company, short estimate 5200€. Have you ever had such a case, or do you know such a thing?
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Change insurance when possible? (unsatisfied with the price and service)
Hi guys, my insurance (Itzehoer) is slowly getting me ready… After a little parking jumper that I had regulated myself last year I reported the whole thing including that the damage is regulated. Now in December came the reclassification. Before 85% SF1/2 59,07 EUR Then 120% SF0 107,08 per month “on January 1st the contribution is due for January 2014” “The monthly contribution is debited on the 1st of a month, starting with the 01.02.2014” HÄH ? First time complains why 120% ….. Answer first: Yes, that could be what comes to me: What is there to come after all everything has been regulated I told everything immediately Insurance: Oh true, the colleague probably overlooked that, they will get the recalculation next week. 2 weeks later…. I: Where is the said recalculation? Insurance: This is only possible from 2.1 onwards the system is blocked We can now no longer make any changes, they will receive the new calculation on 2.1 ….. 6.1.2014 I: Yes, where is the recalculation? Insurance: This was created on 3.1, SF1 75% 7.1.2014 Derecognition of the complete sum after error calculation MIR REICHTS LANGSAM Insurance start was 18.10.2012 Expiration 31.12.2013 The contract is valid if the insurance term is 1 year and it is extended by one year each If it is less than 1 year it ends without having to be terminated. 18.10.12-31.12.13 is not a year but 1 year and 2 months… Is my first car insurance, I can only apply for the new one and then the old one if the new one agrees, or does the new one take care of the cancellation (as with the telephone contract). Or do you have to cancel first, have a confirmation and then the new searches? Thought on the AXA Online tariff, are about 25.- less per month…
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Complete cancellation possible after accident without fault ?!
moin the following: vehicle(twingo, 11 years old, over 100t km etc) the girlfriend was broken without fault at the parking lot(a steel carrier was pressed in about 1cm above the door handle at the height of the b säuse). 100% fault of the other (all in so far as already done). the car was led as economic total damage. we have repaired the damage of the vehicle urgently (use new disk and have the actually completely harmless sheet damage overpainted. the remaining value of the car was previously estimated at 550€, this should now not be much higher. the vehicle is now used as before normally, has tüv and is of course registered etc… since the vehicle was previously financed by her father the vehicle was running on full cascade. since the vehicle now has no value at all (it has already paid for the entire value of the vehicle) it is worth a full cascade in no case any more. can you now just küü ndigen without an eternal notice period? she has now paid 1.1 for the whole year in advance. I ask because it is about several hundred euros and she never gets into the bush with such a thing. if an immediate cancellation of the full casco (of course not the liability) is possible I would talk to her again properly. the saved money would be next to the paid damages a good start for a new vehicle. her insurance is huk.
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Disbursement – duration of replacement
Hello, my car was rammed, I drove to an expert, he confirmed in his report a total damage. The opposing insurance paid the replacement value and deducted a residual value from it. I gave a copy of the purchase contract of my new car so that I get the VAT paid. So far it seems to me to be conclusive. However, in my report it says: “Replacement duration 14 days, usage loss per day 23 Euro” If this sum is still due to me or What circumstances must be present for this? I am grateful for all the tips Bimmel
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Is the replacement value too low after a collision?
Hello, two weeks ago someone drove on our Ford Focus Ghia Kombi (137t km on the speedometer, 115hp, 1.8l) from 1999. Unfortunately, he hit the tow hook and pushed the right back so 0.5cm forward. Then goods at Ford and they ordered a DEKRA expert. He had looked at the car and submitted an expert report. This then said that the car has a replacement value of 3100€ and a residual value of 500€. Reperaturko Unfortunately, we only had the crossbars on the rear axle and the handlebar rubbers exchanged for almost 1000€ in January, because the car was still really top, had a great equipment, was able to drive and my parents wanted to drive it for a few more years. Now, of course, you can get a new Ford Focus on the used car market for the 3100€ with a little luck. that the rubber bearings on lateral and longitudinal handlebars have not yet been made there and that there will again be similar costs to us in the next years as before.. Does it make sense to go to the lawyer now, because maybe because of this fact more money is to be made out? Is already annoying.. Hope you can help me a little bit and maybe give us further tips, what we should consider when handling the damage regulation, so that wi Don’t give away money. Greetings, Patrick
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False refueling- estimated balance justified??
Hello dear Motor-Talk.de-Community, I have been following your contributions for a long time and hope that with my inquiry I will also be able to use your competent assessment. I recently built Bockmist and refueled a car from the manufacturer: MINI COOPER (R56), new car (year probably 2011) wrong!!! Now the report of the rental company has arrived at me and this now demands from me good 600 € for the pumping, which gives me quite high eint! In the appendix I have uploaded an anonymized section of the report and would be pleased if you can tell me whether you think the calculated amount is justified and appropriate?! Especially the estimated wage for 1 working hour of 105 € and the time spent on the pumping & cleaning of almost 4.5 seems somewhat unpredictable to me by my Internet searches (as layman). Thank you in advance!